Systems and methods for facilitating the reporting of an injury claim to an insurance company

ABSTRACT

In accordance with one or more embodiments, an apparatus for facilitating insurance claims provides for receiving a medical report from a treating physician, the medical report indicating an evaluation of an injury of an injured worker; determining whether a report of a claim for the injury has previously been received from a medical liaison; and authorizing, prior to a report of the claim by either an employer of the injured worker or the injured worker when a report of the claim has previously been received from the medical liaison, a progression of an investigation of the claim by a claim professional based on the medical report.

CLAIM OF PRIORITY

The present Application is a Divisional Application of co-pending,commonly-owned U.S. patent application Ser. No. 12/949,511, filed Nov.18, 2010 in the name of McHugh et al. and entitled SYSTEMS AND METHODSFOR FACILITATING THE REPORTING OF AN INJURY CLAIM TO AN INSURANCECOMPANY. The entirety of this application is incorporated by referenceherein for all purposes.

BACKGROUND

Insurance companies receive reports of claims relating to injuries(e.g., bodily injuries, psychological injuries, emotional injuries orother types of injuries), submitted for payment based on adverseoccurrences believed to be covered under a policy carried by theinsurance company. Workers compensation (WC) insurance carriers, forexample, may receive claims related to injuries sustained by workerswhile on a job for an employer who has a WC policy with the insurancecarrier. To determine whether to accept a WC claim and thus pay outbenefits under the insurance policy, claim professionals may investigatea claim once a report of the claim is submitted and informationsupporting the claim is received (e.g., a medical report from a treatingmedical professional who examined the injured worker). Unfortunately,the investigation of a WC claim is often unnecessarily delayed due tothe employer not reporting the claim for some time after the occurrenceof the injury (e.g., it is typical for an employer to not report a claimfor about three months). Such delays result in inefficient use ofresources for all parties involved, frustration, anxiety and confusionon the part of the injured worker, excess costs to the insurance carrierand unnecessarily lengthy return-to-work time frames for the injuredworker. Yet despite this typical delay in employers timely reporting WCclaims to an insurance carrier, previous practices have failed toimplement a method which effectively reduces the time from the injury tothe report of the WC claim into the insurance carrier's system and thusoptimizes the claim investigation time frame, benefits and timeliness ofbenefits provided by the insurance carrier.

BRIEF DESCRIPTION OF THE DRAWINGS

An understanding of embodiments described in this disclosure and many ofthe attendant advantages may be readily obtained by reference to thefollowing detailed description when considered with the accompanyingdrawings, wherein:

FIG. 1A is a diagram of a system according to one or more embodiments ofthe present disclosure;

FIG. 1B is a diagram of a claim management system according to one ormore embodiments of the present disclosure;

FIG. 1C is a diagram of a system according to one or more embodiments ofthe present disclosure;

FIG. 2 is a diagram of a computer system according to one or moreembodiments of the present disclosure;

FIG. 3 is a diagram of a database according to one or more embodimentsof the present disclosure;

FIG. 4 is a flowchart of a method according to some embodiments of thepresent disclosure;

FIG. 5 is a flowchart of a method according to some embodiments of thepresent disclosure;

FIG. 6A is a flowchart of a first part of a method according to someembodiments of the present disclosure;

FIG. 6B is a flowchart of a second part of a method according to someembodiments of the present disclosure;

FIG. 6C is a flowchart of a third part of a method according to someembodiments of the present disclosure;

FIG. 7 depicts an example user interface according to some embodimentsof the present disclosure;

FIG. 8 depicts an example user interface according to some embodimentsof the present disclosure;

FIG. 9 depicts an example user interface according to some embodimentsof the present disclosure; and

FIG. 10 is a functional block diagram depicting an overview of variousentities, locations and communications which may be involved inimplementing one or more embodiments described in the presentdisclosure.

DETAILED DESCRIPTION A. Introduction

Applicants have recognized that, in accordance with some embodimentsdescribed in this disclosure, insurance providers, medical careproviders, claim professionals, employers, injured workers themselvesand others involved in assessing, investigating or determining anacceptance of a WC claim would realize significant benefits from methodsthat would result in a report of the WC claim being entered into theinsurance provider's system earlier rather than later, thus allowing foran investigation of the WC claim to be initiated in a more timelymanner. For example, earlier reporting of a claim into an insuranceprovider's system could provide in more efficient, timely andcost-effective determination of the severity and circumstances of theinjury, determination of any benefits the injured worker may be entitledto, assessment of any available manners of minimizing the return-to-work(RTW) time, providing more effective treatment and identifying modifiedduties the injured worker may perform while the injury heals.

Applicants have recognized that some claim professionals investigating aclaim may find it beneficial to obtain information regarding a WC claimthat is collected as close in time to the time of the injury aspossible, by an entity trained by the claim provider in obtaining suchinformation. For example, collection of such information may be morevaluable and/or informative if it is collected via a face-to-faceinterview with the injured worker when the injured worker first reportsthe injury to a medical facility (e.g., a clinic staffed by treatingmedical professionals such as nurses and physicians). A treating medicalprofessional, as used herein, may be a treating physician, nurse orother entity with formal medical training, who (with respect to theinjured worker and in accordance with some embodiments) takes vitalsigns, provides diagnoses, prescriptions, and/or treatmentrecommendations. Applicants have further recognized that an injuredworkers anxiety and confusion may be significantly alleviated by such aface-to-face and timely interaction with an insurance medical liaison(or concierge or facilitator) who may be knowledgeable about theprocesses and benefits available to the injured worker from a relevantinsurance provider. Similarly, a claim professional investigating othertypes of personal or injury (e.g., bodily injury, psychological injuryor emotional injury) claims, such as property/casualty claims, facesimilar delays in being able to complete claim investigations due todelays in reporting claims by policy holders and lack of access to theinjured person (whether it be an injured worker or another person) in amanner that allows a face-to-face and timely interaction between theinjured person and the insurance medical liaison.

Unfortunately, current systems and methods do not provide to insuranceproviders timely reporting of WC (or other) claims in a substantialnumber of claims, and do not provide information derived in a personalinteraction (or interview) with the injured worker or other injuredperson conducted relatively close in time (e.g., within twenty-four (24)hours or another reasonable time period for the reporting of an injury)to the occurrence of the injury or when the injured worker first arrivesat a medical facility for an evaluation of the injury. Typically, whenan employer determines that a worker has been injured at work orotherwise may have a WC claim, the employer refers the employee to apoint of entry medical clinic (or other location at which the worker'sinjury may be assessed by insurance medical liaisons) that the employerhas designated for its WC injuries. When the worker arrives at theclinic, the clinic personnel will perform an intake procedure via whichthe worker's information is gathered (e.g., demographic informationabout the worker, employer identification, insurance carrieridentification for the employer's WC claims, a description of accidentthat cause the injury, a description of the injury). The worker willthen be examined by a clinic treating medical professional, who willissue a medical report to the insurance carrier (which may be referredto as a First Medical Report, a Doctor's First Report of OccupationalInjury or Illness or a like name) and arrange for the injured worker toreceive appropriate medical treatment and follow-up treatment, ifnecessary or desirable.

In many insurance provider systems, prior to the embodiments describedin the present disclosure, a WC claim is first reported to the WCinsurance provider by an employer of the injured worker. For example, anemployer may use a telephone to contact a telephone reporting center toreport a WC claim or a computer interface to report a WC claim via awebsite affiliated with the insurance provider. The initial report ofthe WC claim from the employer may include information such as the nameand social security number of the injured worker, the employer's addressand location of the injury and a description of the accident that causedthe injury. This information may then be routed (e.g., from a telephonereporting center) to a local claim service center via a claim managementsystem (e.g., TravPro™ of TRAVELERS). At the local claim service center,a case or claim handler is assigned to the claim. Ideally, thisreporting of the WC claim to the insurance carrier should occur shortlyafter the employer learns of the injury or WC claim (e.g., as theemployer refers the injured worker to the clinic), such that a WC claimis established in the insurance carrier's system by the employer priorto the treating medical professional issuing the First Medical Report tothe insurance carrier.

Unfortunately, it is typical for an employer to delay the reporting ofthe WC claim many times for a month or even up to a year or more. Thisdelay in reporting by the employer may be due to the employee notinforming the employer of the injury, due to the employer being overlybusy, or due to other reasons. Thus, it is not unusual for an insuranceprovider to receive a medical report from a treating medicalprofessional who examined the injured worker before an employer everreports the associated WC claim to the insurance provider. Since anofficial investigation of the WC claim (and thus the determination ofany benefits the injured worker may be entitled to) cannot besubstantially undertaken and/or completed until the report of the WCclaim is received into the insurance provider's system, the receipt ofthe a medical report from a treating medical professional may be whatcauses the insurance provider to contact the employer and request areport of the WC claim. Again, due to the time it takes to report aclaim, the reporting of the claim may be delayed by the employer evenupon receiving such a request from the insurance provider. In themeantime, during this delay in reporting the WC claim, the injuredworker may be unnecessarily anxious and confused. Moreover, the care andtreatment the injured worker may be receiving (or not receiving) may beinefficient or inappropriate based on what benefits the injured workeris entitled to under the employer's WC policy. For example, the injuredworker may refuse or procrastinate physical therapy (for worry of thecost and that it will not be covered under the WC policy) or may bereceiving prescriptions or treatment from an out-of-network provider andthus unnecessarily incurring costs. The inefficiencies created by thedelays in employers timely reporting WC claims has been recognized bythe insurance provider industry. However, to date, efforts to addressthis problem have been limited to attempts at educating and encouragingemployers to be more timely in reporting WC claims. Unfortunately, suchefforts have been inadequate and the problem of delayed WC claimreporting by employers continues to plague the industry.

Applicants have recognized that many of the aforementioned detrimentsdue to employer delay in reporting a WC claim to an insurance providermay be alleviated effectively by providing for an alternate reportingmechanism of the WC claim. For example, an insurance medical liaisontrained to enter claims into a system of the insurance provider may beembedded into a location at which the injured worker and relevant injurymay be evaluated. In some embodiments described in the presentdisclosure, such a insurance medical liaison may comprise medicalpersonnel (e.g., a nurse, doctor or other person with formal medicaltraining) that may be located at a medical clinic designed by anemployer for the employer's WC claims or at an employer's place ofbusiness, job site or another location at which an employee may sustainan injury, such that the insurance medical liaison may personallyinteract (e.g., interview and evaluate) the injured worker when theinjured worker first reports to the clinic. Of course, a insurancemedical liaison, as the term is used herein, need not be skilled in themedical field or have received any medical training For example, a claimhandler from an insurance provider's office may be a insurance medicalliaison in some embodiments. It is sufficient that a insurance medicalliaison is an entity (e.g., a live or virtual person) affiliated withand trained (or programmed, as the case may be) by the insurance companyto interface with injured workers and which entity is located at a siteat which an injured worker's injury is first evaluated or at a site towhich the injured worker is directed for evaluation of his/her injury,even is such insurance medical liaison does not perform a medicalevaluation of the injured worker or injury.

In one embodiment, the insurance medical liaison may comprise anapparatus operable to facilitate input of information from the injuredworker (e.g., a kiosk or other apparatus). In some embodiments, such anapparatus may be located at or near a job site or other location atwhich the injured worker may sustain an injury. Such an apparatus may beoperable to support a virtual rendition of a person such that theinjured worker feels more comfortable providing information related tothe injury. In some embodiments, such an apparatus may include one ormore input devices (e.g., touch screens, microphones and/or sensors) toaid in the collection of information from the injured worker.

Applicants have recognized that providing a insurance medical liaisontrained in reporting a WC claim to the insurance provider such that theinsurance provider does not depend on the employer reporting the claimhas advantages beyond minimizing or eliminating any unnecessary delaysin providing an initial report of the WC claim. For example, having ainsurance medical liaison trained by the insurance provider inparticular skills be present to obtain information directly from theinjured worker (e.g., at a time relatively close to the occurrence ofthe injury (e.g., within twenty-four (24) hours of the injury or anotherreasonable time period for the reporting of an injury) and/or when theinjured worker's injury and physical and mental state are firstevaluated by a insurance medical liaison provides valuable informationpreviously unavailable to the insurance provider. For example,observations regarding the demeanor of the injured worker and theworker's visible reaction to certain questions may now be obtained whilethe memory of the injury is fresh in the injured worker's mind and whilethe injured worker is likely to be in a more unguarded and candid stateof mind. In prior art systems, interview of the injured worker by aperson affiliated with the insurance provider occurred some time afterthe injury (e.g., several days to several months after the injury) andthus valuable information may be left uncaptured.

Additional benefits made possible by the embodiments described in thepresent disclosure include, without limitation: (i) reduced costs fortreating the injury and/or reduced out-of-pocket costs to the injuredworker (e.g., the insurance medical liaison reporting the claim maysteer the injured worker to an appropriate in-network pharmacy,therapist or physician and may ensure (e.g., by communicating with thetreating medical professional who evaluates the injured worker) that aninsurance-approved medication is prescribed to the injured worker); (ii)reduced return-to-work time frames (e.g., by the insurance medicalliaison mediating between the injured worker and the employer toidentify acceptable modified duties the injured worker may perform orrecommending additional therapy or treatment the injured worker mayundertake); (iii) reduced time-frame from the time of the injury for afinal decision as to what benefits the injured worker is entitled to(e.g., since investigation of claim may be initiated sooner and withoutthe delay of waiting for the employer to report the WC claim to theinsurance provider system); (iv) reduced anxiety on the injured worker'spart (e.g., the insurance medical liaison may help the injured workermore quickly understand any benefits the injured worker is definitely orlikely to qualify for); and (v) increased efficiencies realized from, inaccordance with some embodiments, having the insurance medical liaisonobtain information directly from the treating medical professional bybeing able to interface face-to-face with the treating medicalprofessional and being able to read the treating medical professional'snotes in the injured worker's medical chart.

In some embodiments, as described, the insurance medical liaison islocated at a medical clinic or other facility at which an injured workeris evaluated by a treating medical professional. Thus, in suchembodiments many efficiencies may be realized because such anarrangement provides the insurance provider, via the insurance medicalliaison, to interact personally with the treating medical professionaland obtain information directly from the treating medical professionalin a timely manner, such that the insurance provider may obtaininformation about the injured worker and/or the injury quickly andefficiently. As described, in prior systems an insurance providertypically waited to obtain information from the treating medicalprofessional via a Doctor's First Report, which consists of a formalwritten communication from the treating medical professional to theinsurance provider. A compensability determination with respect to aworkers compensation claim is based in part on the information containedin such a written Doctor's First Medical Report. In embodimentsdescribed herein, a insurance medical liaison may talk to the treatingmedical professional immediately (or any time thereafter) the treatingmedical professional evaluates and examines the injured worker and hasaccess to the treating medical professional's chart on the injuredworker. Thus, the insurance medical liaison may obtain the treatingmedical professional's thoughts on the diagnosis, injury and recommendedtreatments (e.g., by discussing any of the foregoing with the treatingmedical professional or looking at the treating medical professional'snotes in the injured worker's chart) and obtain actionable informationeven before the treating medical professional issues the formal writtencommunication comprising the Doctor's First Report. In some embodiments,it may be arranged for the insurance medical liaison to receive a verbalreport from the treating medical professional of the diagnosis and/ortreatment for the injured worker, which the insurance medical liaisoncan then provide to the insurance provider, thus allowing thecompensability determination to proceed more efficiently.

In accordance with some embodiments, systems, apparatus, methods andarticles of manufacture provide for: (i) receiving, in a claim reportingsystem residing on a computing device and operable to facilitate thereporting of workers compensation insurance claims, a informationrelating to a workers compensation claim (or, in some embodiments,another type of claim such as a property/casualty claim), theinformation being provided by a insurance medical liaison located at alocation at which an injured worker (or, in some embodiments, anotherinjured person) has been evaluated; (ii) receiving informationindicative of an evaluation, by the insurance medical liaison who isproviding a report of the claim, of at least one of the work-relatedinjury and the injured worker; and (iii) establishing a new record inthe claim reporting system for the workers compensation claim based onthe report and the information indicative of the evaluation, bothreceived from the insurance medical liaison. In some embodiments, theinformation indicative of the evaluation is received at substantially atime at which the report of the claim is received (e.g., the insurancemedical liaison writes a note indicating the information while firstreporting the claim into the insurance provider system) while in otherembodiments the information indicative of the evaluation is providedsome time (e.g., within twenty-four (24) hours) after the insurancemedical liaison reports the WC claim (e.g., the insurance medicalliaison may report the WC claim upon the injured worker reporting to aclinic at which the insurance medical liaison is located and then submita note describing the evaluation later that day or the next day). Itshould be noted that references to a WC claim herein may be applicableto other types of claims and the embodiments described herein should notbe limited to a WC type of insurance claim. Similarly, embodimentsreferring to an injured worker may, in certain circumstances, beapplicable to another injured person besides the injured worker.

In accordance with some embodiments, the information indicative of anevaluation comprises at least one of (i) least one observation, made bythe insurance medical liaison, about a demeanor of the injured workerwhile at the location; (ii) least one vital sign measurement, taken bythe insurance medical liaison, of the injured worker while at thelocation; (iii) at least one recommended treatment for the injuredworker; (iv) at least one opinion, of the insurance medical liaison,regarding a mental state of the injured worker; (v) at least one answerprovided by the injured worker during an in-person interview of theinjured worker conducted by the insurance medical liaison at thelocation; (vi) an indication of whether the injured worker requested apresence of an attorney prior to answering a question from the insurancemedical liaison while at the location; (vii) an opinion provided to theinsurance medical liaison from a claim representative regardingcompensability of the claim, the opinion being provided prior to aninvestigation of the claim being finalized; (viii) an indication of atleast one recommendation provided to the injured worker by the insurancemedical liaison prior to the injured worker leaving the location (e.g.,a recommendation for at least one of a treatment regiment, a physician,a medicine, a therapist, a pharmacy and a modified duty the injuredworker may perform).

In accordance with some embodiments, additional information helpful toan investigation of the WC claim may be received from the insurancemedical liaison who reported the WC claim to the insurance provider. Forexample, the insurance medical liaison may provide a description of aconversation initialized by the insurance medical liaison with anemployer of the injured worker while the injured worker is at thelocation. In some embodiments, the description of the conversation mayinclude a description of at least one modified duty the employer agreedthe injured worker may perform while injured. In some embodiments, theinsurance medical liaison may facilitate a treating medical professionalauthorizing a modified duty the injured worker may perform by discussingpossible modified duties with the employer and obtaining agreement andauthorization from the treating medical professional treating theinjured worker as to one or more of the modified duties.

Any information received from the insurance medical liaison may bestored in one or more records of one or more databases of the insuranceprovider with which the insurance medical liaison is affiliated (e.g.,the information may first be received at a claim reporting systemadministered by a third party affiliated with the insurance provider andsubsequently transmitted to a claim management system administered bythe insurance provider).

In some embodiments, an employer (or another entity) of the injuredworker may have reported the WC claim in a timely manner and a record ofthe WC claim may thus already exist in a system of the insuranceprovider upon the insurance medical liaison attempting to first reportthe same WC claim to the insurance provider. Thus, in some embodiments,systems, apparatus, methods and articles of manufacture may provide fordetermining whether a claim for the work-related injury has previouslybeen reported (e.g., by the employer of the injured worker). In someembodiments, such a determination may be performed upon receiving thereport of the workers compensation claim from the insurance medicalliaison or may even be performed by the insurance medical liaison (e.g.,the insurance medical liaison may search a database of the insuranceprovider system for a previous report of the WC injury). If it isdetermined that the work-related injury has not previously been reportedby the employer (or another entity), the systems, apparatus, methods andarticles of manufacture described in the present disclosure provide forestablishing a new record in the claim reporting system of the insuranceprovider for the work-related injury based on the information providedby the insurance medical liaison and storing, in the record, theinformation. If it is determined that the work-related injury haspreviously been reported by the employer (or another entity) thesystems, apparatus, methods and articles of manufacture described in thepresent disclosure provide for storing the information provided by theinsurance medical liaison in a record previously established in theclaim reporting system for the work-related injury.

In some embodiments, the information provided by the insurance medicalliaison and stored in the record established based upon the reportprovided by the insurance medical liaison may be combined withinformation provided by at least one of the employer and the injuredworker at a time the claim was previously reported by the at least oneof the employer and the injured worker.

In some embodiments, an employer of the injured worker may initiate areport of the WC claim after the record for the claim based on thereport provided by the insurance medical liaison has been established.In such embodiments, systems, apparatus, methods and articles ofmanufacture described in the present disclosure provide for storinginformation provided by the at least one of the employer and the injuredworker to the previously established record.

In some embodiments, the insurance medical liaison may comprise a liveperson (e.g., a nurse), a virtual representation of a person (e.g., animage of a person displayed to the injured worker via a device such as akiosk) and/or software stored on a device located at the location atwhich the injured worker is located. In some embodiments, such softwaremay be operable to receive information from at least one sensor locatedat the location, the sensor operable to determine at least one condition(e.g., a condition of the injured worker and a condition of an apparatusbeing utilized by the injured worker).

In some embodiments, systems, apparatus, methods and article ofmanufacture provide for (i) receiving a medical report from a treatingmedical professional, the medical report indicating an evaluation of aninjury of an injured worker; (ii) authorizing, prior to a report of theclaim by either an employer of the injured worker or the injured workerif a report of the claim has previously been received from a insurancemedical liaison distinct from the treating medical professional whoevaluated the injured worker shortly after the injury occurred,initiation proceeding of an investigation by a claim professional of aworkers compensation claim for the injury and based on the medicalreport.

The receiving of the medical report may comprise indirectly receivingthe medical report from the treating medical professional, for exampleby having the medical report reported by a insurance medical liaison whohas obtained the medical report. For example, in some embodiments, themedical report may be a verbal report provided by a treating medicalprofessional to a insurance medical liaison, who in turn provided thereport to the claim reporting system or claim management system of aninsurance provider. In some embodiments, the medical report may compriseinformation obtain from a medical chart of the injured worker, such as atreating medical professional's notes regarding the injury and/or theinjured worker. For example, a insurance medical liaison may beauthorized to access the medical chart and obtain information ther from,then report the information to the insurance provider. In someembodiments, the medical report may comprise a written communication(e.g., a Doctor's First Report) from a treating medical professional whoexamined the injured worker.

In some embodiments, the report of the claim received from the insurancemedical liaison includes information related to an evaluation of theinjury. In such embodiments, the systems, apparatus, methods andarticles of manufacture of the present disclosure may provide forcomparing the information in the report of the claim to the indicationof the evaluation included in the medical report.

In some embodiments, systems, apparatus, methods and articles ofmanufacture provide for (i) receiving, from a first entity distinct froman employer or an injured worker, an initial report of a workerscompensation claim for an injury of the injured worker; (ii) receiving,from the first entity, a description of an in-person evaluation of theinjured worker, the evaluation occurring within twenty-four hours of theinjury occurring; (iii) receiving, from a treating medical professionaldistinct from the first entity, a medical report of the injury; and (iv)initiating an investigation by a claim professional of the workerscompensation claim based on the initial report received from the firstentity. In some embodiments, the insurance medical liaison may comprisean entity affiliated and trained by the insurance provider.

It should be noted that the embodiments described herein are applicableto a variety of different and disparate work-related injuries in avariety of occupations, including injuries of feel truck drivers andother transportation-related injuries.

B. Terms and Definitions

Throughout the description that follows and unless otherwise specified,the following terms may include and/or encompass the example meaningsprovided in this section. These terms and illustrative example meaningsare provided to clarify the language selected to describe embodimentsboth in the specification and in the appended claims, and accordingly,are not intended to be limiting.

The term “insurance provider”, as used herein, may include a company inthe business of selling and administering insurance policies toindividuals and/or other companies, including WC policies. In someembodiments, an insurance provider is also responsible for investigatingclaims under an insurance policy, determining the benefits(if any) to bepaid out for such a claim and/or paying out or otherwise providing suchbenefits. In some embodiments, one or more functions of an insuranceprovider may be carried out by a Third Party Administrator, which may beaffiliated with an insurance provider and/or a policy holder. It shouldbe understood that wherever the term “insurance provider” is usedherein, the term “Third Party Administrator” or “TPA” may be substitutedwithout departing from the spirit and scope of the embodiments.

The term “medical procedure”, as used herein, may include one or more ofvarious procedures such as are contemplated, for example, under medicaltreatment guidelines (e.g., ACOEM guidelines) and/or procedureclassification systems such as CPT.

As used herein, the term “network component” may refer to a user ornetwork device, or a component, piece, portion, or combination of useror network devices. Examples of network components may include a StaticRandom Access Memory (SRAM) device or module, a network processor, and anetwork communication path, connection, port, or cable.

In addition, some embodiments are associated with a “network” or a“communication network”. As used herein, the terms “network” and“communication network” may be used interchangeably and may refer to anyobject, entity, component, device, and/or any combination thereof thatpermits, facilitates, and/or otherwise contributes to or is associatedwith the transmission of messages, packets, signals, and/or other formsof information between and/or within one or more network devices.Networks may be or include a plurality of interconnected networkdevices. In some embodiments, networks may be hard-wired, wireless,virtual, neural, and/or any other configuration of type that is orbecomes known. Communication networks may include, for example, one ormore networks configured to operate in accordance with the Fast EthernetLAN transmission standard 802.3-2002® published by the Institute ofElectrical and Electronics Engineers (IEEE). In some embodiments, anetwork may include one or more wired and/or wireless networks operatedin accordance with any communication standard or protocol that is orbecomes known or practicable.

As used herein, the terms “information” and “data” may be usedinterchangeably and may refer to any data, text, voice, video, image,message, bit, packet, pulse, tone, waveform, and/or other type orconfiguration of signal and/or information. Information may compriseinformation packets transmitted, for example, in accordance with theInternet Protocol Version 6 (IPv6) standard as defined by “InternetProtocol Version 6 (IPv6) Specification” RFC 1883, published by theInternet Engineering Task Force (IETF), Network Working Group, S.Deering et al. (December 1995). Information may, according to someembodiments, be compressed, encoded, encrypted, and/or otherwisepackaged or manipulated in accordance with any method that is or becomesknown or practicable.

In addition, some embodiments described herein are associated with an“indication”. As used herein, the term “indication” may be used to referto any indicia and/or other information indicative of or associated witha subject, item, entity, and/or other object and/or idea. As usedherein, the phrases “information indicative of” and “indicia” may beused to refer to any information that represents, describes, and/or isotherwise associated with a related entity, subject, or object. Indiciaof information may include, for example, a code, a reference, a link, asignal, an identifier, and/or any combination thereof and/or any otherinformative representation associated with the information. In someembodiments, indicia of information (or indicative of the information)may be or include the information itself and/or any portion or componentof the information. In some embodiments, an indication may include arequest, a solicitation, a broadcast, and/or any other form ofinformation gathering and/or dissemination.

In some embodiments, “reporting” a claim is described. As used herein,to “report” a claim (e.g., a WC claim) may be used to refer to providinginformation relevant to a WC claim and need not necessarily mean thatthe reporting of the claim is the first or original indication of theclaim to the insurance provider. However, the term “originallyreporting” a claim may be used herein to indicicate that a particularreport or reporting of a claim is the original or first indication ofthe claim that the insurance provider receives. It should be noted thatany reference to “reporting” of a claim or a “report” of a claim may besubstituted with “originally reporting of” or “original report of” or“to originally report” a claim to indicate a scenario in which thereport or reporting in question is the original or first indication theinsurance provider has of the claim.

C. General Systems and Structures

FIG. 1A depicts a block diagram of an example system 100 according tosome embodiments. The system 100 may comprise one or more clientcomputers 104 in communication with a controller or server computer 102via a network 160. Typically a processor (e.g., one or moremicroprocessors, one or more microcontrollers, one or more digitalsignal processors) of a client computer 104 or server computer 102 willreceive instructions (e.g., from a memory or like device), and executethose instructions, thereby performing one or more processes defined bythose instructions. Instructions may be embodied in, e.g., one or morecomputer programs and/or one or more scripts.

In some embodiments a server computer 102 and/or one or more of theclient computers 104 stores and/or has access to data useful forassessing a WC claim. Such information may include one or more of: (i)injury data (e.g., date, time and location at which injury occurred,description of the injury); (ii) information (e.g., observations,injured worker's answers, vital sign measurements) obtained by ainsurance medical liaison who interviewed the injured worker shortlyafter the occurrence of the injury and/or when the injured worker firstreported to a medical facility for an evaluation of the injury; (ii)medical care component information (e.g., recommended treatmentprocedures, prescription information), (iii) medical history of injuredworker; and (iv) information regarding the WC policy held by the injuredworker's employer.

According to some embodiments, any or all of such data may be stored byor provided via one or more optional third-party data devices 106 ofsystem 100. A third-party data device 106 may comprise, for example, anexternal hard drive or flash drive connected to a server computer 102, aremote third-party computer system for storing and serving data for usein reporting, assessing and/or managing WC claims, or a combination ofsuch remote and local data devices. A third-party entity (e.g., a partyother than an owner and/or operator, etc., of the server computer 102,client computer 104 and other than an end-user of any data used inmedical cost assessment) such as a third-party vendor collecting data onbehalf of the owner, a marketing firm, government agency and/orregulatory body, and/or demographic data gathering and/or processingfirm may, for example, monitor patient and/or claim data for variouspurposes deemed useful by the third-party, including data mining, dataanalysis, and any raw data and/or information may be stored on and/orvia the third-party data device 106.

In some embodiments, a client computer 104 may comprise a computerworkstation or terminal of a insurance medical liaison of an insuranceprovider (e.g., a nurse working at a medical clinic) or a claimprofessional of the insurance provider (e.g., working at a businessfacility of the insurance provider). In some embodiments, the clientcomputer 104 may be used to report a WC claim, add information to arecord of a WC claim, assess information stored regarding a WC claimand/or manage an investigation of a WC claim. In one embodiment, theclient computer 104 comprises a handheld device (e.g., a dedicatedmobile device) used by a insurance medical liaison (e.g., a nurse) toreport information about a WC claim to the a system of an insuranceprovider. Any and all information relevant to any of the aforementionedfunctions may be stored locally on the client computer 104 and/or may beaccessed using the client computer 104 (such information being storedon, or provided via, the server computer 102 and/or the third-party datadevice 106). In another embodiment, the server computer 102 may storesome or all of the program instructions for reporting, assessing and/ormanaging a WC claim, and the client computer 104 may access suchinformation and/or program instructions remotely via the network 160and/or download from the server computer 102 (e.g., a web server) someor all of the program code for executing one or more of the variousfunctions described in this disclosure.

In one embodiment, a server computer 102 may not be necessary ordesirable. For example, some embodiments described in this disclosuremay be practiced on one or more devices without a central authority. Insuch an embodiment, any functions described herein as performed by aserver computer 102 and/or data described as stored on a server computer102 may instead be performed by or stored on one or more such devices.Additional ways of distributing information and program instructionsamong one or more client computers 104 and/or server computers 102 willbe readily understood by one skilled in the art upon contemplation ofthe present disclosure.

FIG. 1B depicts a block diagram of another example system 150 accordingto some embodiments. The system 150 may comprise one or more clientcomputers 104 in communication with a claim management system 180 (suchas may be hosted by, for example, a server computer 102) via a network160. A WC claim reporting system 170 is integrated into the centralclaim management system 180, for example, as a module or otherfunctionality accessible through the claim management system 180. In oneembodiment, information about a particular WC claim and stored by theclaim management system 180 may be first reported to an insuranceprovider via the WC claim reporting system 170. For example, informationabout an injured claimant, such as age and state of residence, andobservations about the injured claimant (e.g., demeanor, reaction tocertain questions, body language, vital signs) obtained by a insurancemedical liaison who interviewed the injured claimant and reported the WCclaim to the insurance medical liaison may be reported to the insurancecompany via the WC claim reporting system and subsequently transmitted,transferred or communicated to the claim management system 180 (e.g.,without requiring manual input by a claim professional). As discussedabove with respect to system 100 of FIG. 1A, in some embodiments one ormore third-party data devices 106 may store information (e.g.,information provided by a insurance medical liaison initially reportinga WC claim) used in managing and investigating a WC claim.

FIG. 1C depicts block diagram of another example system 175 according tosome embodiments. The system 175 may comprise one or more clientcomputers 104 in communication with a claim management system 180 and aninsurance medical liaison 190. In some embodiments, the system 190 mayalso include one or more optional third-party data devices 106. Theinsurance medical liaison 195 may comprise, for example, an apparatus(e.g., a kiosk), sensor, mobile device, communication device and/orcomputing device operable to interact with an injured worker (e.g., overcode division multiple access (CDMA) communications methods or othercommunications technologies). For example, in some embodiments, theinsurance medical liaison may comprise software, hardware and/orfirmware that is operable to perform at least one or more of thefollowing functionalities: (i) remote diagnostics (e.g., determining,monitoring, evaluating or sensing a condition of a system, apparatus,situation, person or ambient condition); (ii) interactions with a claimreporting and/or claim management system of an insurance provider (e.g.,providing information descriptive of an injury and/or an injured workerfor purposes of reporting a WC claim); (iii) contacting, communicatingwith or otherwise interacting with personnel of an insurance provider;(iv) depicting a virtual person in the guise of a nurse or doctor thatoutputs questions, instructions, guidance or other information to aninjured worker and allows the injured worker to provide input (directlyor indirectly); (v) providing a mechanism for an injured (or potentiallyinjured) worker to input information (e.g., via an audio and/or videointerface); and (vi) outputting information, instructions and/orguidance to an injured (or potentially injured) worker (e.g., via anaudio and/or visual interface); and (vi) detecting an occurrence of anevent (e.g., a potential injury of a worker). For example, the insurancemedical liaison may comprise a kiosk with a touch-screen and microphonethat allows an injured worker to input information that facilitates thereporting of a WC claim to the insurance provider claim reporting system(e.g., the kiosk outputting a virtual representation of a nurse thatasks the injured worker questions and/or takes vital sign measurementsof the injured worker). In another example, the insurance medicalliaison may comprise an advanced technology device that is a componentor separate device interacting with machinery or apparatus beingoperated by a worker (e.g., a sensor built into a machine being operatedby the worker). In some embodiments, the insurance medical liaison 190may comprise an artificial intelligence engine and/or decision treetechnology for facilitating the detection of an injury or potentialinjury, obtaining information on the injury or potential injury,reporting of a WC claim for the injury or potential injury and providinginformation, instructions and/or guidance to the injured worker.

Turning to FIG. 2, a block diagram of an apparatus 200 according to someembodiments is shown. In some embodiments, the apparatus 200 may besimilar in configuration and/or functionality to any of the clientcomputers 104, server computers 102, third-party data devices 106, theclaim management system 180 and/or the insurance medical liaison 190 ofFIG. 1A, FIG. 1B and/or FIG. 1C. The apparatus 200 may, for example,execute, process, facilitate, and/or otherwise be associated with any ofthe processes 400, 500 and 600, described in conjunction with FIG. 4,FIG. 5 and FIGS. 6A, 6B and 6C herein.

In some embodiments, the apparatus 200 may comprise a processor 210, anoutput device 220, an input device 230, a communication device 240and/or a memory device 250. Fewer or more components and/or variousconfigurations of the components 210, 220, 230, 240 and/or 250 may beincluded in the apparatus 200 without deviating from the scope ofembodiments described herein.

According to some embodiments, the processor 210 may be or include anytype, quantity, and/or configuration of processor that is or becomesknown. The processor 210 may comprise, for example, an Intel® IXP 2800network processor or an Intel® XEON™ Processor coupled with an Intel®E7501 chipset. In some embodiments, the processor 210 may comprisemultiple inter-connected processors, microprocessors, and/ormicro-engines. According to some embodiments, the processor 210 (and/orthe apparatus 200 and/or other components thereof) may be supplied powervia a power supply (not shown) such as a battery, an Alternating Current(AC) source, a Direct Current (DC) source, an AC/DC adapter, solarcells, and/or an inertial generator. In the case that the apparatus 200comprises a server such as a blade server, necessary power may besupplied via a standard AC outlet, power strip, surge protector, and/orUninterruptible Power Supply (UPS) device.

In some embodiments, the input device 230 and/or the output device 220are communicatively coupled to the processor 210 (e.g., via wired and/orwireless connections and/or pathways) and they may generally compriseany types or configurations of input and output components and/ordevices that are or become known, respectively.

The input device 230 may comprise, for example, a keyboard that allowsan operator of the apparatus 200 to interface with the apparatus 200(e.g., by a insurance medical liaison, such as to input informationrelated to the reporting of a WC claim; by a claim professional, such asto assess whether an investigation of a WC claim may proceed based upona reporting of a WC claim and/or to investigate a WC claim). In someembodiments, the input device 230 may comprise a sensor configured toprovide information such as an indication of a potential injury and/orWC claim to the apparatus 200 and/or the processor 210.

In embodiments in which apparatus 200 comprises a insurance medicalliaison 190, input device 230 may comprise a sensor or other detectiondevice (e.g., a device operable to receive and respond to a signal orstimulus). Such a sensor and/or detection device may comprise a deviceoperable to identify, determine or sense an occurrence of a condition orevent and/or a change in a condition or status of an event. For example,the sensor or detection device may comprise one or more of a visualsensor that identifies and/or responds to visual stimulus (e.g., acamera), an acoustic sensor that identifies and/or responds to soundand/or vibration (e.g., a microphone), an automotive sensor thatidentifies and/or responds to transportation-related information (e.g.,speed, throttle position or variable reluctance sensor, an impactsensor), a temperature sensor, a chemical sensor (e.g., a carbonmonoxide sensor, a carbon dioxide sensor, an olfactometer, apotentiometric sensor, a smoke detector), an environmental sensor (e.g.,a seismometer, a tide gauge, a gas gauge, a moisture sensor, a particledetector, thermometer), a weight sensor, an altimeter, a depth gauge, aproximity sensor (e.g., a motion detector, an occupancy sensor), and/ortactile sensor (e.g., touch-sensitive buttons on a screen or apparatus).

The output device 220 may, according to some embodiments, comprise adisplay screen and/or other practicable output component and/or device.The output device 220 may, for example, provide instructions, guidance,questions or information to an injured worker seeking to report aninjury and/or an evaluation of an injury. In another example, an outputdevice 220 may output information (e.g., a user interface for enteringdata) to a insurance medical liaison seeking to report a WC claim and/orinput observations about an injured worker who is the subject of a WCclaim (e.g., via a computer workstation). According to some embodiments,the input device 230 and/or the output device 220 may comprise and/or beembodied in a single device such as a touch-screen monitor.

In some embodiments, the communication device 240 may comprise any typeor configuration of communication device that is or becomes known orpracticable. The communication device 240 may, for example, comprise aNIC, a telephonic device, a cellular network device, a router, a hub, amodem, and/or a communications port or cable. In some embodiments, thecommunication device 240 may be coupled to provide data to atelecommunications device. The communication device 240 may, forexample, comprise a cellular telephone network transmission device thatsends signals (e.g., claim information, initial reports of a WC claim)to a server in communication with a plurality of handheld, mobile and/ortelephone devices. According to some embodiments, the communicationdevice 240 may also or alternatively be coupled to the processor 210. Insome embodiments, the communication device 240 may comprise an IR, RF,Bluetooth™, and/or Wi-Fi® network device coupled to facilitatecommunications between the processor 210 and another device (such as oneor more client computers, server computers, central controllers,insurance medical liaisons and/or third-party data devices).

The memory device 250 may comprise any appropriate information storagedevice that is or becomes known or available, including, but not limitedto, units and/or combinations of magnetic storage devices (e.g., a harddisk drive), optical storage devices, and/or semiconductor memorydevices such as Random Access Memory (RAM) devices, Read Only Memory(ROM) devices, Single Data Rate Random Access Memory (SDR-RAM), DoubleData Rate Random Access Memory (DDR-RAM), and/or Programmable Read OnlyMemory (PROM).

The memory device 250 may, according to some embodiments, store aprogram 255 for facilitating one or more of the embodiments describedherein, one or more of WC claim reporting instructions 265, one or moreclaim management instructions 275, and/or WC claim data 252. In someembodiments, the claim reporting instructions 265 and/or claimmanagement instructions 275 may be utilized by the processor 210 toprovide output information via the output device 220 and/or thecommunication device 240 (e.g., via the user interfaces 700, 800 and/or900 of FIG. 7, FIG. 8 and FIG. 9, respectively).

According to some embodiments, claim reporting instructions 265 may beoperable to cause the processor 210 to process information indicative ofan initial report of a WC claim as described herein. Any WC claim data252 received via the input device 230 and/or the communication device240 may, for example, be data mined, analyzed, sorted, filtered,decoded, decompressed, ranked, scored, plotted, and/or otherwiseprocessed by the processor 210 in accordance with the instructions of WCclaim reporting instructions 265 and/or WC claim management instructions275 (e.g., in accordance with the method 600 of FIG. 6A, FIG. 6B andFIG. 6C). In some embodiments, any information obtained by use of the WCclaim reporting instructions 265 may be stored, analyzed, forwarded orotherwise utilized by the processor 210 (e.g., may be stored as WC claimdata 252 and/or analyzed or forwarded to a claim specialist inaccordance with WC claim management instructions 275). Such informationmay then be utilized for various purposes as described herein.

According to some embodiments, the WC claim reporting instructions 265may be operable to cause the processor 210 to prompt a insurance medicalliaison to input information related to a WC claim being reported by theinsurance medical liaison, including in some embodiments observations ofthe injured worker corresponding to the WC claim, as obtained during anin-person interview of the injured worker by the insurance medicalliaison (e.g., during a first medical visit of the injured worker withrespect to the injury) as described herein. Some or all of the WC claimdata 252 may be analyzed, viewed and/or transmitted (e.g., by or to aclaim specialist) in order to determine what benefits, if any, aninjured worker may be entitled to under a WC policy of the injuredworker's employer, to determine whether a follow-up contact with theinjured worker is necessary (e.g., to obtain additional informationabout the injury, to follow-up on any treatment the injured worker isreceiving, to determine whether the injured worker may be able to returnto work sooner than originally anticipated, etc.). The WC claimmanagement instructions 275 may, in some embodiments, utilize the WCclaim data 252 to determine benefits due to a worker, to compare datareceived from two disparate sources regarding the injury (e.g.,observations from a insurance medical liaison who interviewed the workerto observations of a treating medical professional who examined theworker), to determine whether an investigation of the WC claim can beinitiated, continued and/or finalized (e.g., based on whether the WCclaim has officially been reported to the insurance provider by eitherthe employee of the injured worker or a insurance medical liaison whowas in contact with the worker when the injured worker was firstexamined with respect to the injury that is the subject of the WCclaim).

The apparatus 200 may function as a computer terminal and/or server ofan insurance and/or medical care provider, for example, that is utilizedto receive and/or manage WC claims. In some embodiments, the apparatus200 may comprise a web server and/or other portal (e.g., an IVRU) thatserves as an intake portal for WC claims. In some embodiment, theapparatus 200 may comprise a workstation or mobile device utilized by alive insurance medical liaison who interviews an injured worker when theinjured worker is first injured or is first examined by a treatingmedical professional in relation to a WC claim. In some embodiments, theapparatus 200 may comprise an apparatus that is operable to interviewand/or observe the injured worker (e.g., at a location of an injury orat a location to which the injured worker reports to be examined by atreating medical professional).

Any or all of the exemplary instructions and data types described hereinand other practicable types of data may be stored in any number, type,and/or configuration of memory devices that is or becomes known. Thememory device 250 may, for example, comprise one or more data tables orfiles, databases, table spaces, registers, and/or other storagestructures. In some embodiments, multiple databases and/or storagestructures (and/or multiple memory devices 250) may be utilized to storeinformation associated with the apparatus 200. According to someembodiments, the memory device 250 may be incorporated into and/orotherwise coupled to the apparatus 200 (e.g., as shown) or may simply beaccessible to the apparatus 200 (e.g., externally located and/orsituated).

D. Database

Referring to FIG. 3, a schematic illustration of an exemplary datastructure 300 according to some embodiments is shown. In someembodiments, the exemplary data structure 300 may comprise a tabularrepresentation illustrating an embodiment of the WC claim data 252. Theexemplary data structure 300 that is representative of the WC claim data252 includes a number of example records or entries, R300-1, R300-2 andR300-3, each of which defines a WC claim for a particular injured workerand for a particular injury of the injured worker. Those skilled in theart will understand that the WC claim data 252 may include any number ofentries. Those skilled in the art will further understand that manydifferent and/or additional fields and/or types of data may be stored inthe WC claim data 252 other than those illustrated as exemplary andnon-limiting. The exemplary data structure 300 of the WC claim data 252also defines fields for each of the entries or records, including: (i) aclaim number field 305, which uniquely identifies a WC claim in aninsurance provider's system, (ii) a status field 310 which indicates astatus of the corresponding claim, (iii) a date reported field 315 whichindicates a date on which the corresponding WC claim was first reportedto the insurance provider, (iv) a who reported field 320 which indicatesthe person or other entity that first reported the corresponding WCclaim to the insurance provider, (v) a date of injury field 325 whichindicates the date on which the injury of the corresponding WC claimoccurred, (vi) a doctor's first report field 330 which indicates thedate on which the doctor's first report (or any indication or report ofa medical status of the injured worker by a treating medicalprofessional authorized by the insurance provider and/or selected by theemployer, whether written or verbal, formal or informal) was received bythe insurance provider, and (vii) compensability determinationinitiation field 335 which indicates the date on which a claimspecialist of the insurance provider first began the investigation ofthe claim and determination of the compensability of the claim.

Various advantages made possible by the embodiments described in thepresent disclosure may be appreciated and highlighted by the exampledata provided in the tabular representation 300. For example, asdescribed herein, relying upon an employer to report a WC claim mayresult in delays in initiating a compensability determination. Asdescribed herein, it is only once a WC claim is reported to an insuranceprovider that the insurance provider may begin in earnest the process ofverifying coverage and confirming that the injury meets the thresholdfor compensability established by various state laws. In many instancesprior to the embodiments described herein, an insurance providers firstnotice of a WC claim comes when the insurance provider receives aDoctor's First Report from a treating medical professional who examinedthe injured worker when the injured worker reported to a medicalfacility (e.g., a clinic) that the employer of the injured workerdesignated for the employer's WC claims. In such circumstances, theinsurance provider must prompt the employer to report the claim once itreceives notice of the claim by virtue of receiving the Doctor's FirstReport. Many times, even after receiving such prompting from theinsurance provider, the employer still delays reporting the claim forvarious reasons. Such delays may have various adverse impacts on theinjured worker, the employer and/or the insurance provider. Examples ofadverse impacts to the injured worker include (i) delays in payments fortemporary loss of income to the injured worker, delays in compensationfor permanent loss of earnings capacity, delays in vocationalrehabilitation and delays in appropriate provision (or reimbursementfor) medical treatment and (ii) prolonged anxiety and confusion as towhat benefits the injured worker may qualify for. Examples of adverseimpacts to the employer and/or the insurance provider include delays inhaving the injured worker return to work, in either full capacity or amodified capacity, and inefficient use in resources in attempting togather relevant information about the injury and/or cause of the injuryafter a significant amount of time has passed since the injury. Thenovel embodiments described herein provide for a insurance medicalliaison to establish contact with an injured worker and report the WCclaim to the insurance provider (or, in some embodiments, work with theemployer to have the employer more promptly report the claim) as theinjured worker reports to the designated medical facility to have theinjured examined or, in some embodiments, even sooner (e.g., at a siteof the injury) This allows a compensability determination process to beinitiated very quickly, as soon as the WC claim is reported and prior tothe Doctor's First Report being submitted, such that once the Doctor'sFirst Report is submitted a significant portion of the determination mayhave been completed and the compensability determination may befinalized shortly after the Doctor's First Report is received, withoutfurther delays.

Turning again to FIG. 3, record R300-1 illustrates an example of whatmay occur if a WC claims is reported by a insurance medical liaisonaffiliated with an insurance provider such as a nurse located at aclinic to which the injured worker reports to have his/her injuryexamined. As the data in record R300-1 illustrates, the WC claim“WC-1703-21” was first reported to the insurance provider on Feb.12,2004, which is on the same date as the injury occurred. This allows theinsurance provider to investigate the claim while the memory of theevent that caused the injury is still fresh in everyone's mind, whicheases the investigative process. This also allows the insurance providerto become involved in the treatment of the injury at the initial stages,which may prevent inefficient, undesirable and sub-optimal treatmentbeing provided to the injured worker. As record R300-1 also illustrates,the compensability determination process for the subject claim began oneday after the claim was first reported to the insurance provider (onFeb. 13, 2004),which is also almost two weeks prior to the Doctor'sFirst Report for the subject claim being received on Feb. 27, 2004. Inmany instances, this may result in a final compensability determinationbeing made shortly after receiving the Doctor's First Report.

Now, turning to record R300-2, the efficiency of the process illustratedby the data of record R300-1 can be contrasted with the delays that mayoccur if the employer is relied upon as the sole source who may report aWC claim. As record R300-2 illustrates, a claim “WC-1980-43” wasreported by an employer on Jan. 21, 2006, whereas the date of the injurywas on Oct. 25, 2005 and the doctor's first report was received on Nov.15, 2005. Thus, there was over a two month delay from the time theDoctor's First Report was received by the insurance provider and thedate on which the employer reported the claim. As also illustrated inrecord R300-2, the compensation determination began on Jan. 22, 2006,the very next day after the WC claim was reported by the employer butunfortunately almost three months after the date of the injury and overtwo months from the receipt of the Doctor's First Report. As describedherein, many inefficiencies may occur due to such a delay and having ainsurance medical liaison as described herein be operable to report a WCclaim in lieu of relying on an employer to do so has various advantages.

E. Processes

Referring now to FIG. 4, a flow diagram of a method 400 according tosome embodiments is shown. The method 400 may, for example, be performedby or on behalf of an insurance provider, a claim professional, ainsurance medical liaison, a medical care facility, an employer and/oran insured person or other user. For purposes of brevity, the method 400will be described herein as being performed by a computer (e.g., aclient computer operated by a claim professional) on behalf of aninsurance company. It should be noted that although some of the steps ofmethod 400 may be described herein as being performed by a clientcomputer while other steps are described herein as being performed byanother computing device, any and all of the steps may be performed by asingle computing device which may be a client computer, server computer,third-party data device or another computing device. Further any stepsdescribed herein as being performed by a particular computing device maybe performed by a human or another computing device as appropriate.

According to some embodiments, the method 400 may comprise receiving ainformation conveying a workers compensation claim, the report beingprovided by a insurance medical liaison located at a location at whichan injured worker is or has recently been located and at which theinjured worker's injury has been evaluated (402). The report may bereceived by, for example, a claim reporting system residing on acomputing device and operable to facilitate the reporting of workerscompensation insurance claims, such as claim reporting system 170 ofapparatus 200 in FIG. 2. The report may be input, for example, viatelephone or a web interface. For example, a insurance medical liaison(e.g., a nurse located at a medical care facility such as a clinicdesignated by an employer for the employer's WC claims) may inputinformation reporting the claim via a user interface such as thatillustrated in FIG. 7. In some embodiments, as described herein, theinsurance medical liaison may comprise a computing device, software,artificial intelligence and/or a virtual representation of a nurseoperable to report a claim. For example, the insurance medical liaisonmay comprise an apparatus with which an injured worker may interface toprovide information about an injury and the apparatus may be programmedto contact the claim reporting system 170 to report the WC claim of theinjury (e.g., via the Internet or another appropriate network).

According to some embodiments, the method 400 may further comprisereceiving information indicative of an evaluation, by the insurancemedical liaison who is providing a report of the claim, of at least oneof the work-related injury and the injured worker (404). For example,the insurance medical liaison (e.g., a nurse) may interview the workerand obtain information from the worker such as contact information ofthe worker, a description of how and when the injury occurred, currentmedications or medical treatments the injured worker is taking (for thesubject injury or another condition), current limitations on the injuredworker's physical abilities (whether from the subject injury or anothercondition), medical history, names of witnesses to the injury, whetherthe injured worker has a good comprehension of the English language orrequires a translator, whether the injured worker requested an attorney.Any and all of this or other relevant information may be obtained by theinsurance medical liaison by interfacing with the injured worker at thelocation of the injury or the location of a medical care facility (e.g.,a clinic) to which the injured worker reported to have the injuryexamined by a treating medical professional. Applicants have recognizedthat having the insurance medical liaison interface directly with theinjured worker at such a time and location may provide valuableinformation that might otherwise not be adequately captured underexisting systems (e.g., having a claim professional contact the injuredworker several hours or days later may comprise the memory and/orability or willingness of the injured worker to provide adequateinformation). Thus, Applicants have recognized that there aresignificant benefits to having the same insurance medical liaison whodirectly interfaces with the injured worker at such a time and locationprovide both the initial report of the WC claim and the informationobtained from the injured worker during an initial contact with theinjured worker.

In some embodiments, the information received in 404 may compriseobservations and/or personal opinions about the injured worker and/orthe injury that are that of the insurance medical liaison. For example,the insurance medical liaison may observe that the injured workerappeared nervous or evasive when answering questions about his medicalhistory. In another example, the insurance medical liaison may observethat the injured worker appeared very anxious about any potential lossof income due to the injury and an extreme willingness to considermodified duties that may be performed while injured.

According to some embodiments, the method 400 may further compriseestablishing a new record in the claim reporting system for the workerscompensation claim based on the report of the WC claim and theinformation descriptive received from the insurance medical liaison(406). Thus, a WC claim may be established in the claim reporting system170 based on an initial report of the WC claim received from a claimprofessional who interfaced with the injured worker and obtainedinformation from the injured worker at a time close to the injury, closethe time the injured worker reported the injury to an employer and wasdirected to a medical care facility and/or upon the injured workerarriving at the medical care facility (e.g., within twenty-four hours ofany of these events occurring).

Referring now to FIG. 5, a flow diagram of a method 500 according tosome embodiments is shown. The method 500 may, for example, be performedby or on behalf of an insurance provider, a claim professional, ainsurance medical liaison, a medical care facility, an employer and/oran insured person or other user. For purposes of brevity, the method 500will be described herein as being performed by a computer (e.g., aclient computer operated by a claim professional) on behalf of aninsurance company. It should be noted that although some of the steps ofmethod 500 may be described herein as being performed by a clientcomputer while other steps are described herein as being performed byanother computing device, any and all of the steps may be performed by asingle computing device which may be a client computer, server computer,third-party data device or another computing device. Further any stepsdescribed herein as being performed by a particular computing device maybe performed by a human or another computing device as appropriate.

According to some embodiments, the method 500 may comprise receiving amedical report from a treating medical professional, the medical reportindicating an evaluation of an injury of an injured worker (502). Asdescribed herein, typically when an injured worker reports to a medicalcare facility he or she is examined by a treating medical professional,who generates and submits a report of the examination to an insuranceprovider of an employer for which the injured worker was working whileinjured or otherwise provides a medical status of the injured worker tothe insurance provider. In some embodiments, 502 may comprise a firstindication of the injured worker's medical status as received by theinsurance provider and may thus be considered an initial medical status.The report of this first examination of a WC claim-related injury maytake the form of a formal written communication (in which case it istypically referred to as a Doctor's First Report or other similar name)or a more informal communication (e.g., a verbal communication between(i) the insurance medical liaison and/or acclaim professional affiliatedwith the insurance provider and (ii) the treating medical professionalwho examined the injured worker; or notes written by the treatingmedical professional in the injured worker's medical chart). Althoughthe treating medical professional (or another treating medicalprofessional) may subsequently examine or re-examine the injured workerduring the course of their treatment and rehabilitation from the injury,it is the report of a medical status as determined by the treatingmedical professional that is important to a determination ofcompensability for a WC claim. The medical report may includeinformation such as vital measurements (e.g., blood pressure,temperature, weight) of the injured worker taken during the examination,a description of the injury, results of any diagnostic tests takenduring or related to the examination (e.g., a summary of the findings ofan X-Ray or CAT scan), a diagnosis, recommended treatment(s) and anyprescriptions provided to the injured worker during the injured worker'svisit with the treating medical professional. A Doctor's First Report orother medical report from the treating medical professional may bereceived electronically (e.g., via electronic mail or download over theInternet), verbally through a discussion with the treating medicalprofessional, by viewing the treating medical professional's notes or inhard copy form (e.g., via a postal mailing, in the form of a reportprinted on paper). The medical report may include informationidentifying the injured worker and other information which would allowan insurance provider to match it to an employer, employer's WC policyand/or previously reported claim. For example, the medical report mayinclude the injured worker's name, address, social security number,employer, date of injury and in some circumstances even a claim number(e.g., if, in accordance with embodiments described herein, a insurancemedical liaison on site at the medical care facility reported the WCclaim during the injured worker's visit to the medical care facility andobtained a claim number, the insurance medical liaison may provide theclaim number to the treating medical professional for use on the medicalreport).

In some embodiments, 502 may comprise an employee of an insuranceprovider receiving the medical report and entering an indication of itinto a database associated with an insurance provider. In anotherembodiment, 502 may comprise software identifying a medical report andstoring an electronic copy of the medical report in a memory of acomputing device.

In accordance with some embodiments, the method 500 further comprisesdetermining whether a report of a claim for the injury has previouslybeen received from a insurance medical liaison distinct from thetreating medical professional who provided the medical report (504). Asdescribed herein, in previously available systems, a WC claim wastypically reported by an employer of the injured worker and many timeswas still not yet reported to the insurance provided upon a medicalreport of the injury being received from a treating medical professionalwho examined the injured worker. Thus, a search of a claims database(e.g., a search of a database residing in a claim reporting system 170and/or a claim management system 180) may be performed in 502 todetermine whether a claim for the injury has previously been reportedand, if it has, whether the report was received from a insurance medicalliaison (e.g., a nurse) affiliated with the insurance provider. Such asearch may be performed, for example, based on information included inthe medical report (e.g., injured worker's name and address, employername, date of injury).

In some embodiments, 504 may comprise an employee of the insuranceprovider performing a search of a database (e.g., using an interface ofa client device). In some embodiments, 504 may comprise a programrunning on a computing device determining identifying information in themedical report (e.g., by accessing particular fields or portions in themedical report) and initiating and performing a search of a database fora previously reported claim that includes the identifying information.

In accordance with some embodiments, the method 500 may further comprisecontinuing, prior to a report of the claim by either an employer of theinjured worker or the injured worker and if a report of the claim haspreviously been received from the insurance medical liaison, aninvestigation of the claim by a claim professional based on the medicalreport (506). As described herein, once a medical report (e.g., aDoctor's First Report) is received by an insurance provider, a claimprofessional may be prompted or assigned to perform or continue toperform an evaluation of a compensability of a WC claim based oninformation contained in the Doctor's First Report. As described herein,in some embodiments receiving a Doctor's First Report may comprisereceiving a medical report directly or indirectly from a treatingmedical professional and in some embodiments comprises a insurancemedical liaison obtaining the medical report from the treating medicalprofessional while at the medical facility at which the injured workerwas examined (e.g., by talking to the treating medical professionaland/or reading the treating medical professional's notes in the medicalchart of the injured worker) and reporting the obtained information tothe insurance provider. Thus, a medical report or Doctor's First Reportneed not be a formal written communication from the treating medicalprofessional.

Typically, a compensability evaluation cannot be significantly movedforward or finalized until the claim of the WC claim that is the subjectof the Doctor's First Report is reported to the insurance provider. In atypical WC claim management system, a compensability determination maybe formally initiated once a claim is reported by an employer evenbefore a Doctor's First Report is reported to the insurance provider(e.g., an initial contact with the injured worker may be made by a claimprofessional once the claim is reported but prior to the Doctor's FirstReport being received). This allows for efficient processing andfinalization of the WC claim once the Doctor's First report has beenreceived since some investigation and information gathering with respectto the WC claim may have already been completed prior to the Doctor'sFirst Report being received. However, in the very many cases in whichthe employer does not report the WC claim, the receipt of the Doctor'sFirst Report is the first formal indication that the insurance providermay have of the WC claim. In such cases, a claim specialist may contactthe employer upon receiving the Doctor's First Report and request theemployer formally report the claim. Even after such a request, however,many times the employer still delays (e.g., in many cases for months)the reporting of the claim due to the inconvenience and time it may taketo answer the many questions required to be answered by the employerwhen reporting the claim. Because a claim professional is not authorizedto significantly progress through or finalize a compensabilitydetermination until the WC claim has formally been reported into thesystem, such a delay causes the insurance company to delay makingcompensability determinations.

Applicants have recognized that such delays and inefficiencies in makinga final compensability determination may be significantly alleviated byplacing an insurance medical liaison at a medical care facility (orother location) at which an injured worker may first have an injuryexamined and/or at a location at which an injury may occur (e.g., in avehicle or other apparatus operated by a worker or at a place ofbusiness or work site). In some embodiments (e.g., some of which areillustrated in FIG. 10, described hereinafter), the injured worker mayinteract with the insurance medical liaison on the way to the clinic,e.g., through a cell phone, smart phone, PDA, lap top computer, or otherportable device that can communicate with the worker before the workerreaches the clinic, e.g., when in route to the clinic, while still atthe work site, when the worker is at home, or at any other locationafter the injury has occurred. In some embodiments, there may be aninterface to the insurance medical liaison at a job site, place of workor business at which an injury occurs. In that case, the insurancemedical liaison may be located in-person in an office/room or otherlocation within the work site or virtually (as described herein withrespect to the clinic). Further, in some embodiments, there may be callbuttons (or other alerting devices) located throughout a work site(e.g., throughout a factory) and/or near certain locations or items at awork site (e.g., near certain machines or equipment) operable to beactuated or activate by a worker or a person near the worker, which may,when actuated or activated, cause an interaction with the insurancemedical liaison (or with another person or device that contacts theinsurance medical liaison). In some embodiments, certain locations,machines or equipment may be equipped with sensors or other devices,software and/or intelligence that can sense when the worker operating(or near to) the machine has (or may have) become injured andautomatically initiate an interaction with the worker to determinewhether communication with the insurance medical liaison is necessary,e.g., asking the worker (or another person) whether the worker isinjured and, if so, automatically connecting the worker with the medicalliaison through any of the technologies discussed herein. Thus,embodiments described herein provide an alternate mechanism for aninsurance provider to receive the information desired (i.e., a reportingof a WC claim) for a final determination of the compensability of a WCclaim.

In some embodiments, the block 506 (FIG. 5) may comprise softwarecausing the output of a message or other indication to a person,apparatus, system or program. The message or other indication may informthe person, apparatus, system or program of the authorization andthereby cause progression of the investigation. In another embodiment,506 may comprise an employee of an insurance provider performing theauthorization and inputting an indication of the authorization into amemory, program, apparatus or user interface. In some embodiments, 506may comprise one or more fields of a database or user interface beingmade active or available for input of information. In some embodiments,506 may comprise causing a program to perform certain functions (e.g.,causing a program for calculating the cost of a claim to perform thecost calculation).

F. Example System

In accordance with some embodiments, an example system may comprise aninsurance provider embedding a nurse (the nurse serving as the insurancemedical liaison described herein) in a clinic authorized by one or moreemployers for their WC claims. The nurse may thus be trained andavailable to interface with the injured worker when the injured workerfirst reports to the clinic for an evaluation of the injury, report theclaim to the insurance provider along with any observations or otherinformation obtained by the nurse as a result of the interfacing withthe injured worker. In some embodiments, the nurse may further betrained and available to work with a representative of the insuranceprovider to provide a preliminary determination of benefits that theinjured worker may qualify for, guide the injured worker as to theappropriate medical treatment that may be covered (or more likely to becovered) by the WC policy of the injured worker's employer, providereassurance and information to the injured worker as to the process forworking with the insurance provider to determine the compensability ofthe injury and follow-up with the injured worker after the initial visitto the clinic to further aid the injured worker through the process andmotivate the injured worker to follow the prescribed medical treatment.In some embodiments, the nurse may be further trained and available tocontact the employer of the injured worker to obtain further informationuseful in determining the benefits that may be due to the worker,facilitate a shortened RTW time frame and/or determine modified dutiesthe injured worker may perform while injured.

Referencing again the Figures, FIG. 6A, FIG. 6B and FIG. 6C togethercomprise a flow diagram of an example method 600 corresponding to theexample system described above. The method 600 may, for example, beperformed by or on behalf of an insurance provider, a claimprofessional, a insurance medical liaison, a medical care facility, anemployer and/or an insured person or other user. For purposes ofbrevity, the method 600 will be described herein as being performed by acomputer (e.g., a client computer operated by a claim professional) onbehalf of an insurance company. It should be noted that although some ofthe steps of method 600 may be described herein as being performed by aclient computer while other steps are described herein as beingperformed by another computing device, any and all of the steps may beperformed by a single computing device which may be a client computer,server computer, third-party data device or another computing device.Further any steps described herein as being performed by a particularcomputing device may be performed by a human or another computing deviceas appropriate.

The method 600 may comprise an employee being injured at work (602).Being injured at work may comprise being injured while performing dutiesfor an employer or activities within the scope of employment. An injurymay, but need not, occur at a place of the employer's business, at awork site or operating an apparatus affiliated with an employer. Theemployee may then report the injury to the employer (604). It should benoted that, in some embodiments, significant time may pass between 602and 604 (e.g., days, weeks or even months) while in other embodiments(e.g., particularly when the injury is severe), 602 and may occur withinminutes or hours of one another and, in some embodiments, evensimultaneously.

The employer may, upon learning of the injury, direct the injured workerto a clinic previously designated by the employer for the employer's WCclaims 606). Some employers may also (e.g., shortly upon learning of theinjury or directing the employee to the clinic), report the injury tothe insurance provider holding the WC policy of the employer. Asdescribed herein, however, many employers simply fail to report theclaim in a timely manner. For example, many employers do not report a WCclaim for weeks or even months, and sometimes not until prompted to doso by the insurance provider once the insurance provider receives aDoctor's First Report that indicates an injury. Thus, in someembodiments reporting of a WC claim by an employer to the insuranceprovider may not occur until weeks or months after 604. In accordancewith embodiments described herein, an employer reporting the claim tothe insurance provider may not occur at all (e.g., if a nurse or otherinsurance medical liaison reports the claim to the insurance provider,the employer need not report the claim at all (although the employer maystill be contacted by the insurance provider during the course of aninvestigation of the WC claim)).

Once the injured worker reports to the clinic, the staff of the clinicdetermine whether the employer of the injured worker participates in ainsurance medical liaison reporting program as described herein (608).For example, the clinic staff may determine whether the insuranceprovider of the injured worker's employer has a nurse embedded in theclinic. As described herein, a particular insurance provider may providea program via which a WC claim may be reported to the insurance providervia a insurance medical liaison (e.g., in lieu of being reported via anemployer). In some embodiments, any employer who subscribes to WCinsurance from such an insurance provider may be deemed to participatein such a insurance medical liaison reporting program and thus 608 maysimply comprise determining whether the employer's insurance providerprovides such a insurance medical liaison reporting program. In otherembodiments, even when an insurance provider provides such a insurancemedical liaison reporting mechanism, an employer may be provided theoption to either participate in the program or not. Thus, in someembodiments, even if the employer's insurance provider provides ainsurance medical liaison reporting program (e.g., has a nurse embeddedin the clinic), 608 may involve a further query as to whether theparticular employer of the injured worker has chosen to participate inthe program. The staff of the clinic may take some preliminaryinformation from the injured worker in order to make this determination(e.g., find out who the injured worker's employer is). If the insuranceprovider of the injured worker's employer does not participate in ainsurance medical liaison reporting program, method 600 proceeds to 614,wherein the injured worker is evaluated in the normal course. If theinsurance provider of the injured worker's employer does participate ina insurance medical liaison reporting program (e.g., has a nurseembedded in the clinic), the injured worker will be routed to theappropriate insurance medical liaison (e.g., nurse) (610). It should benoted that the routing of the injured worker to the nurse or otherinsurance medical liaison and the remainder of the steps of method 600are performed in such a way as to interfere as little as possible withthe evaluation of the injured worker by the clinic staff. In 612, thenurse or other insurance medical liaison interviews the injured worker(e.g., while the injured worker is waiting to be seen by a treatingmedical professional of the clinic). The interview may comprise, forexample, questioning the injured worker about how the injury occurred,the extent of the injury, demographic and medical history informationabout the injured worker and any particular concerns the injured workermay have with respect to the injury and/or the compensability of theinjury.

The method 600 then diverges into two simultaneous tracks, A and B. Intrack A, the injured worker is evaluated by a treating medicalprofessional of the clinic (616). For example, the treating medicalprofessional (e.g., a physician and/or nurse) of the clinic may examinethe injury, question the injured worker, perform diagnostic tests on theinjured worker and determine a diagnosis and treatment options for theinjured worker. Optionally, in some embodiments, a medical status of theinjured worker (e.g., as determined by the treating medicalprofessional) may be obtained by the insurance medical liaison (617). Itshould be noted that activities of an insurance medical liaison (some orall of which, in some embodiments, may be performed while the injuredworker is being evaluated by the treating medical professional) aredescribed in more detail with respect to track B of FIG. 6B). It shouldfurther be noted that the mere reference to 617 as being “optional” doesnot in any manner imply that other functions, activities, steps orelements of the figures described herein are not optional. In oneembodiment, the insurance medical liaison obtains a medical status ofthe injured worker by virtue of the injured worker providing theinsurance medical liaison a medical chart, results of the evaluation bythe treating medical professional or information otherwise obtained bythe injured worker via the evaluation by the treating medicalprofessional. For example, the injured worker may provide suchinformation to the insurance medical liaison after being seen by thetreating medical professional. Upon obtaining such information in 617,in some embodiments the insurance medical liaison may review and updateinformation determined, obtained, inferred or collected previously at612 (FIG. 6A). Such updated information may in turn, in someembodiments, be conveyed to the employer of the injured worker and/orthe insurance company in track B of FIG. 6B (e.g., at 624 and 628,respectively).

In 618, a medical status of the injured worker is obtained from thetreating medical professional who examined the injured worker at theclinic. The medical status may include, for example, a diagnosis of theinjury and a recommended treatment for the injury (among other things).In some embodiments, the treating medical professional issues a Doctor'sFirst Report that summarizes the results of the examination and themedical treatment options, which Doctor's First Report is provided tothe insurance provider of the injured worker's employer as a formalwritten communication in 618. In such embodiments, it should be notedthat some time (e.g., weeks) may pass between 616 and 618. In otherembodiments, 618 may simply comprise a verbal or other informalcommunication between the treating medical professional and theinsurance medical liaison, or the insurance medical liaison obtainingthe treating medical professional's notes from the injured worker'smedical chart, which informally obtained information is provided to theinsurance provider. In such informal communication embodiments,receiving the medical status may simply comprise receiving informationregarding a medical status of the injured worker as determined by thetreating medical professional and may be obtained the day of (or shortlythereafter) the injured worker is examined by the treating medicalprofessional at the medical clinic. In some embodiments, a medicalstatus received in 618 may comprise an initial medical status, that isfirst indication of the injured worker's medical status.

In track B, the nurse affiliated with the insurance provider (or theinsurance medical liaison) may report the WC claim into the insuranceprovider's system or encourage the employer of the injured worker to doso. For example, the nurse may utilize a desktop computer or mobiledevice (e.g., a dedicated medical device for communicating with theinsurance provider's claim reporting system) to activate or pull up theinsurance provider's claim reporting system (620). The nurse may thedetermine whether the WC claim has already been reported by the employerof the injured worker (622). For example, the nurse may inputinformation such as the injured worker's name and/or social securitynumber, the employer's name or other identifiers and a date of theinjury. If it is determined that the WC claim has already been reportedinto the system, the method 600 continues to part C, which is describedwith respect to FIG. C. Otherwise, the method 600 continues to 624,wherein the nurse contacts the injured worker's employer to inform theemployer that the injured worker has reported to the medical clinic foran examination of the injury and to determine whether the employerprefers to report the WC claim or whether the employer is agreeable tohaving the nurse report the WC claim to the insurance provider. In someembodiments, 624 may comprise, for example, the nurse explaining to theemployer (or a representative thereof) that the injured worker is at themedical clinic having his injury evaluated and that the injury iscurrently being treated as a WC claim and should be promptly reported tothe insurance provider such that a compensability determination mayproceed quickly and efficiently.

In 626, it is determined whether the employer prefers to report the WCclaim. For example, some employers have a staff member designated forsuch functions and may prefer to have the staff member report the claim.If the employer prefers to report the claim, the method 600 continues topart C of the process, which is described with respect to FIG. 6C.Otherwise, the method continues to 628, wherein the nurse reports the WCclaim to the insurance provider. For example, the nurse may utilize aninterface such as user interface 700 as illustrated in FIG. 7 to inputinformation about the WC claim and cause the claim reporting system(e.g., claim reporting system 170 of FIG. 1B) to generate a unique claimnumber for the WC claim and/or notify a claim professional about theclaim. In some embodiments, process 600 (e.g., at 626) may furthercomprise the nurse inputting information gathered via the nurse'sinteraction with the injured worker (e.g., observations about thedemeanor of the injured worker, answers provided by the injured workerto the nurse, information told to the injured worker by the nurse, vitalmeasurements or other diagnostic information obtained by the nurse). Forexample, in some embodiments the nurse may obtain digital photographsand/or video of the injury when interacting with the injured worker andupload these as part of the process of reporting the claim. Once thenurse reports the WC claim, the method 600 continues to part C of method600 (described with respect to FIG. 6C). It should be noted that 624 and626 may be omitted in some embodiments. For example, in some embodimentsthe nurse automatically reports all WC claims that have not already beenreported by the employer and does not contact the employer to providethem an option of reporting the WC claim themselves once the injuredworker reports to the medical care facility.

It should be noted that the interaction between the nurse and theinjured worker may comprise more than one session or time frame, whichmay be interspersed with other activities undertaken by the injuredworker while at the clinic. For example, the nurse may ask the injuredworker some preliminary questions and then the treating medicalprofessional of the clinic may become available to examine the injuredworker, in which case staff of the clinic may retrieve the injuredworker from the nurse for some time. During this time, the nurse maytake the opportunity to begin reporting the claim and/or contact theemployer of the injured worker. In some circumstances, the injuredworker may request an attorney and/or translator prior to furtherdiscussing the injury with the nurse. Thus, in some embodiments themethod 600 may comprise the nurse contacting a translator to aid withfurther discussions with the injured worker (the nurse may provide anindication of such a request and/or aid when reporting the claim). Insome embodiments, the injured worker may indicate that he is (or desiredto be) represented by an attorney with respect to the WC claim. In suchembodiments, the nurse may inform the injured worker that such anattorney's permission needs to be obtained prior to further questioningthe injured worker about the injury and/or inquire about the injuredworker's reasons for requesting an attorney. The nurse may furtherindicate the injured worker's desire for an attorney to the insuranceprovider (e.g., the nurse may make a note of this when reporting orupdating the claim in the insurance provider claim reporting or claimmanagement system).

In some embodiments, during or after the injured worker's visit to theclinic, the nurse may contact the employer of the injured worker toobtain information about the injury, other information relevant toreporting the claim and/or discuss and/or reach agreement on modifiedduties the injured worker may perform for the employer (which reachingof agreement may include obtaining the treating treating medicalprofessional's authorization and agreement). In some circumstances, itmay be appropriate for the nurse to participate in a discussion withboth the injured worker and the employer (e.g., by placing the employeron speaker phone while the injured worker is in the room) for one ormore purposes.

In some embodiments, the nurse may further contact a claim professionalof the insurance provider to discuss the compensability determination(e.g., obtain a determination or preliminary determination as to one ormore benefits the injured worker may qualify for). Thus, the nurse maybe able to provide some helpful information to the worker while theworker is still at the clinic with respect to the benefits, thuspossibly alleviating the injured worker's anxiety. In some embodiments,the nurse may further be able to provide guidance and recommendations tothe injured worker as to covered (e.g., in network) medical treatments(e.g., pharmacies, treating medical professionals, therapists,medications), thereby possibly reducing the injured worker'sout-of-pocket costs with respect to the injury. The nurse may further betasked with following-up with the injured worker after the initial visitto the clinic (e.g., to determine whether the injured worker's conditionis improving, encouraging the injured worker to follow recommendedmedical treatments and encouraging the injured worker to arrive forscheduled follow-up appointments).

Turning now to part C of method 600, 630 comprises determining (e.g., bya claim managements system 180) whether both the reporting of a claimand a medical status (e.g., an initial medical status) of the injury(e.g., via an informal communication from the treating medicalprofessional or a formal written Doctor's First Report) have beenreceived by the insurance provider. If both have been received, themethod 600 continues to 632, wherein it is determine whether the WCclaim should be accepted (e.g., one or more benefits paid out orotherwise provided with respect to the claim). For example, a softwareprogram and/or claim professional may investigate the WC claim (e.g.,review information provided by the treating medical professional,contact the employee, determine the scope of the WC policy and any staterequirements or limitations, conduct a follow-up telephone conversationwith the injured worker) and make a final determination as to thebenefits the injured worker qualifies for under the relevant WC policy.In some embodiments, 632 may comprise comparing information provided bya nurse affiliated with the insurance provider with information providedin the Doctor's First Report or other informal communication from thetreating medical professional which indicates a medical status of theinjured worker, to determine whether any discrepancies exist and/or togather a more complete picture of the circumstances of the injury.

If the claim is not deemed to be acceptable in 632, the claim is deniedin 638. For example, the employer and/or injured worker may be informed(e.g., via a postal mailing) of the denial and reasons therefor. If theclaim is deemed to be acceptable, the claim is accepted and the benefitsauthorized in 630. For example, the employer and/or injured worker maybe informed of the benefits and a check for an appropriate monetaryamount may be issued to the employer and/or injured worker and medicalcosts may be paid to the medical provider (e.g., clinic and/or treatingmedical professional who treated the injured worker).

It should be noted that although the method 600 was described in thecontext of a live nurse being embedded in a clinic, in accordance withsome embodiments a virtual nurse and/or kiosk may be located by or onbehalf of an insurance provided at a clinic for many or all of the samepurposes and functions as described with respect to the live nurse. Forexample, a kiosk featuring a virtual nurse and/or video feed to a livenurse may be placed at a clinic, thus allowing the insured worker tointerface with the kiosk while at the clinic and facilitating thereporting of a WC claim to an insurance provider without awaiting thereporting of the claim by the employer of the injured worker.

Turning now to FIG. 7, an example user interface 700 is illustrated. Theexample user interface 700 may be utilized (e.g., by a nurse or otherinsurance medical liaison affiliated with an insurance provider, who isembedded in a clinic or other location visited by the injured worker) toreport a claim and provide information about the claim based on thenurse's interactions with the injured worker. The user interface 700 maycomprise, for example, user interface to a claim reporting system 170,accessed by the nurse via the Internet or other connection to aproprietary claim reporting system.

Turning now to FIG. 8, illustrated therein is an example user interface800. The user interface 800 may be utilized, for example, by a claimprofessional and/or software program to determine information reportedwhen reporting a WC claim, including whether the WC claim was reportedby a nurse or other insurance medical liaison affiliated with theinsurance provider and to obtain other information about the reportingof the claim, such as the date and time at which the claim was reportedand the date of initial contact with the injured worker and anindication of who initially contacted the injured worker with respect tothe claim.

Turning now to FIG. 9, illustrated therein is an example user interface900. The user interface 900 may be utilized, for example, by a nurse orother insurance medical liaison affiliated with an insurance provider,to input one or more notes about a WC claim into a WC claim managementsystem 180 and/or a claim reporting system 170. As described herein, insome embodiments a claim may have been reported by an employer prior toa medial professional attempting to report the claim. In suchembodiments, rather than reporting a claim, the insurance medicalliaison may retrieve the existing record of the claim and add one ormore notes with respect to their own contact or interactions with theinjured worker (e.g., a nurse embedded in a clinic may use the userinterface 900 to enter observations about the injured worker and/or theinjury and/or answers provided by the injured worker obtained whileinterviewing and evaluating the injured worker). In some embodiments,the nurse or other insurance medical liaison may utilize the userinterface 900 to add notes to a record of the WC claim after the injuredworker's initial visit to the clinic (e.g., based on a follow-upconversation with the injured worker after the injured worker leaves theclinic).

It should be noted that any or all of the information illustrated inFIG. 7, FIG. 8 and/or FIG. 9 may be stored in a memory such as adatabase. For example, some or all of the information may be stored in aWC claim data 252, such as that illustrated in table 300 of FIG. 3. Itshould further be noted that the format and information in these figuresis for illustrative and non-limiting purposes only. It should further benoted that any of the information described herein as being provided bya insurance medical liaison via one of the user interfaces 700, 800and/or 900 may alternatively be provided directly by a software programof an apparatus serving as a insurance medical liaison. For example, asdescribed herein, in some embodiments a insurance medical liaison maycomprise an apparatus and/or component at a job site, business or otherlocation at which an injured worker is injured. Such an apparatus and/orcomponent may be operable to sense an injury or potential injury andobtain information from the injured worker about the injury (e.g.,confirm injury, obtain description of the injury and/or injured worker'scondition, time of injury, etc.). In such embodiments, the apparatusand/or component may be operable to provide the obtained information toa claim reporting system 170 (e.g., by transmitting the information,including any audio and/or video files to the claim reporting system170).

Referring now to FIG. 10, illustrated therein is a functional blockdiagram depicting various entities, locations and communications whichmay be implemented according to various embodiments described herein. Asdescribed herein, an injured worker or injured person 1003 (illustratedin various locations in FIG. 10) may communicate (in-person or via anetwork or otherwise electronically) with an insurance medical liaison1001 while the injured worker 1003 is at one or more locations. Forexample, the injured worker 1003 may communicate with the insurancemedical liaison 1001 while (i) at a work site 1005 (indoor or outdoor)where the injury occurred, (ii) in a transportation vehicle 1010 (e.g.,a vehicle in which the injured worker 1003 was injured or a vehicletransporting the injured worker after the injury occurs), (iii) at theinjured worker's home 1015, (iv) at a medical clinic 1020, (v) at ahospital 1025 or any other location or facility 1030 (e.g., a departmentstore, retail store, pharmacy, or any other location or facility). Thevehicle may be a land vehicle (such as a car, bus, train, truck, or anyother land vehicle), a water vehicle (such as a boat, ship, jet ski,hydroplane, or any other water vehicle), and/or an air vehicle (such asan airplane, helicopter, or any other air vehicle). It should be notedthat the insurance medical liaison 1001 may also be located at any ofthe locations 1005-1030 (e.g., at a time the injured worker 1003 islocated at the same location or while the injured worker 1003 is locatedat a different location than the insurance medical liaison 1001). Itshould further be noted that, in some embodiments, any or all of theinformation provided by the injured worker 1003 to the insurance medicalliaison 1001 may be provided to an insurance provider 1000. It shouldfurther be noted that, in some embodiments, information may be provided,uploaded, exchanged, transmitted and/or received between or among thevarious locations 1005-1030 and/or the insurance company 1000 via anetwork 1002. The network 1002 may comprise, for example, the Internet,a wired or wireless intranet, wide area network and/or a cellulartelephone network.

As also described herein, in some embodiments, the insurance medicalliaison 1001 may be physically present in-person at the same location asthe injured worker 1001, or may be contacted via a computer, a kiosk, amobile device (such as a cell phone, PDA, smart phone, or the like), viaa help/emergency box 1007 at the work site 1005 or via a communicationcomponent of equipment 1009 used at the work site 1005. In someembodiments, the insurance liaison 1001 may be located at the insurancecompany or at a third party insurance liaison vendor 1004 location,which communicates with the insurance company 1001 and the network 1002and/or the individual locations 1005-1030. In some embodiments, ahelp-emergency box 1007 and/or the equipment 1009 may be “intelligent”in that it may detect the injury or the possibility thereof (e.g., viaone or more sensors which may be components thereof) and/or mayautomatically initiate contact with the insurance medical liaison 1001(e.g., via a telephone or cellular telephone network). In someembodiments, the equipment 1009 (which may be stationary or portable)may have caused or contributed to the injury. The equipment 1009 mayinclude, for example, machines used for drilling, sawing, turning,welding, planing, molding, sintering, extruding, heating, cooling,vibrating, nailing, copying, cutting, attaching, assembling,disassembling, lifting, digging, moving, transporting (includingvehicles and construction equipment), crushing, or any other equipmentor devices used at a work site, factory or office, having the necessarysensing and/or analysis devices, computers and/or software to performthe functions described herein.

As has been described herein, many benefits may be realized bypracticing the embodiments described herein. For example, customerservice-oriented benefits may be realized, such as alleviating theinjured worker's concerns and confusion about a WC claim process and theparticular benefits the injured worker may, or is likely to, obtain.Goodwill towards the insurance provider may also be realized. There arealso significant financial benefits by providing a insurance medicalliaison affiliated with the insurance provider, who is distinct from thetreating medical professional who examines the injured worker (or otherstaff of the clinic), to interact with an injured worker at the site ofan injury or when the injured worker first reports to a medical carefacility for an evaluation of the injury. For example, costs per claimmay be reduced by (i) reducing lost time days, (ii) allowing the injuredworker to return to work faster (e.g., based on modified duties workedout between the insurance medical liaison (e.g., while in consultationwith the treating medical professional) and the employer), (iii)providing the injured worker the in-network pharmacies, specialists,referrals and medical treatments and (iv) reducing litigation costs dueto any misunderstandings, unnecessary out-of-pocket costs and/ormisinformation that may be perpetuated if the reporting of a claim isdelayed.

Further, while specific embodiments have been described herein, thescope of the invention should not be limited to the explicitly describedembodiments. Various modifications and inferred embodiments are alsowithin the scope of the invention. For example, in some embodiments, theemployer (or the insured) may receive a card or letter or electroniccommunication providing the address of the nearest participating medicalclinic(s) in the area where an insurance medical liaison is present,and/or a phone number and/or web site address to reach the insurancemedical liaison (or concierge or facilitator). In some embodiments,there may also be smart phone or internet applications that allow theinjured worker to find the nearest participating clinic. Further, insome embodiments, if the injured worker goes to a non-participatingmedical clinic, hospital or other medical treatment facility, theinjured worker may communicate with the insurance medical liaison priorto and/or after being treated, using any of the technologies describedherein.

While many embodiments described in the present disclosure have beendescribed as being used with regard to an injured worker for a workerscompensation injury claim, it should be understood that the disclosureherein may be used with other first party or third party claimants forother types of property and/or casualty injury related claims. Forexample, for a first party auto claimant, if an insured driver, orfamily member thereof (collectively, “injured person”), is injured in anauto accident that is covered by his/her auto insurance, the injuredperson may go to a participating medical clinic (or other location asdescribed herein) and interact with the insurance medical liaison (asdescribed herein) to facilitate reporting of the auto injury claim tothe insurance company. This may help accelerate claim processing and/orpayment (e.g., when the injured person requires treatment before theauto claim has been reported to, or reviewed, assessed or approved by,the insurance company, or in other situations) and/or may help provideother medical injury assessment and/or treatment providers, facilities,assistance and/or options for the injured person (e.g., the liaison mayprovide information to the injured person regarding a nearby hospital,clinic, health care or therapy provider, or provide other assistance).The disclosure also applies to any other first party injury-relatedproperty/casualty claimant. Further, this disclosure applies to anythird party injury-related property/casualty claimant, such as a thirdparty liability claimant (e.g., injured person covered by another'sbusiness or property liability insurance), a third party auto claimant(e.g., injured person covered by another person's auto insurance), orany other third party injury-related property/casualty claimant. In thatcase, the injured person would be the third party claimant.

G. Interpretation

Numerous embodiments are described in this disclosure, and are presentedfor illustrative purposes only. The described embodiments are not, andare not intended to be, limiting in any sense. The presently disclosedinvention(s) are widely applicable to numerous embodiments, as isreadily apparent from the disclosure. One of ordinary skill in the artwill recognize that the disclosed invention(s) may be practiced withvarious modifications and alterations, such as structural, logical,software, and electrical modifications. Although particular features ofthe disclosed invention(s) may be described with reference to one ormore particular embodiments and/or drawings, it should be understoodthat such features are not limited to usage in the one or moreparticular embodiments or drawings with reference to which they aredescribed, unless expressly specified otherwise.

The present disclosure is neither a literal description of allembodiments nor a listing of features of the invention that must bepresent in all embodiments.

Neither the Title (set forth at the beginning of the first page of thisdisclosure) nor the Abstract (set forth at the end of this disclosure)is to be taken as limiting in any way as the scope of the disclosedinvention(s).

The term “product” means any machine, manufacture and/or composition ofmatter as contemplated by 35 U.S.C. §101, unless expressly specifiedotherwise.

The terms “an embodiment”, “embodiment”, “embodiments”, “theembodiment”, “the embodiments”, “one or more embodiments”, “someembodiments”, “one embodiment” and the like mean “one or more (but notall) disclosed embodiments”, unless expressly specified otherwise.

The terms “the invention” and “the present invention” and the like mean“one or more embodiments of the present invention.”

A reference to “another embodiment” in describing an embodiment does notimply that the referenced embodiment is mutually exclusive with anotherembodiment (e.g., an embodiment described before the referencedembodiment), unless expressly specified otherwise.

The terms “including”, “comprising” and variations thereof mean“including but not limited to”, unless expressly specified otherwise.

The terms “a”, “an” and “the” mean “one or more”, unless expresslyspecified otherwise.

The term “plurality” means “two or more”, unless expressly specifiedotherwise.

The term “herein” means “in the present disclosure, including anythingwhich may be incorporated by reference”, unless expressly specifiedotherwise.

The phrase “at least one of”, when such phrase modifies a plurality ofthings (such as an enumerated list of things) means any combination ofone or more of those things, unless expressly specified otherwise. Forexample, the phrase at least one of a widget, a car and a wheel meanseither (i) a widget, (ii) a car, (iii) a wheel, (iv) a widget and a car,(v) a widget and a wheel, (vi) a car and a wheel, or (vii) a widget, acar and a wheel.

The phrase “based on” does not mean “based only on”, unless expresslyspecified otherwise. In other words, the phrase “based on” describesboth “based only on” and “based at least on”.

Where a limitation of a first claim would cover one of a feature as wellas more than one of a feature (e.g., a limitation such as “at least onewidget” covers one widget as well as more than one widget), and where ina second claim that depends on the first claim, the second claim uses adefinite article “the” to refer to the limitation (e.g., “the widget”),this does not imply that the first claim covers only one of the feature,and this does not imply that the second claim covers only one of thefeature (e.g., “the widget” can cover both one widget and more than onewidget).

Each process (whether called a method, algorithm or otherwise)inherently includes one or more steps, and therefore all references to a“step” or “steps” of a process have an inherent antecedent basis in themere recitation of the term ‘process’ or a like term. Accordingly, anyreference in a claim to a ‘step’ or ‘steps’ of a process has sufficientantecedent basis.

When an ordinal number (such as “first”, “second”, “third” and so on) isused as an adjective before a term, that ordinal number is used (unlessexpressly specified otherwise) merely to indicate a particular feature,such as to distinguish that particular feature from another feature thatis described by the same term or by a similar term. For example, a“first widget” may be so named merely to distinguish it from, e.g., a“second widget”. Thus, the mere usage of the ordinal numbers “first” and“second” before the term “widget” does not indicate any otherrelationship between the two widgets, and likewise does not indicate anyother characteristics of either or both widgets. For example, the mereusage of the ordinal numbers “first” and “second” before the term“widget” (1) does not indicate that either widget comes before or afterany other in order or location; (2) does not indicate that either widgetoccurs or acts before or after any other in time; and (3) does notindicate that either widget ranks above or below any other, as inimportance or quality. In addition, the mere usage of ordinal numbersdoes not define a numerical limit to the features identified with theordinal numbers. For example, the mere usage of the ordinal numbers“first” and “second” before the term “widget” does not indicate thatthere must be no more than two widgets.

When a single device or article is described herein, more than onedevice or article (whether or not they cooperate) may alternatively beused in place of the single device or article that is described.Accordingly, the functionality that is described as being possessed by adevice may alternatively be possessed by more than one device or article(whether or not they cooperate).

Similarly, where more than one device or article is described herein(whether or not they cooperate), a single device or article mayalternatively be used in place of the more than one device or articlethat is described. For example, a plurality of computer-based devicesmay be substituted with a single computer-based device. Accordingly, thevarious functionality that is described as being possessed by more thanone device or article may alternatively be possessed by a single deviceor article.

The functionality and/or the features of a single device that isdescribed may be alternatively embodied by one or more other devicesthat are described but are not explicitly described as having suchfunctionality and/or features. Thus, other embodiments need not includethe described device itself, but rather can include the one or moreother devices which would, in those other embodiments, have suchfunctionality/features.

Devices that are in communication with each other need not be incontinuous communication with each other, unless expressly specifiedotherwise. On the contrary, such devices need only transmit to eachother as necessary or desirable, and may actually refrain fromexchanging data most of the time. For example, a machine incommunication with another machine via the Internet may not transmitdata to the other machine for weeks at a time. In addition, devices thatare in communication with each other may communicate directly orindirectly through one or more intermediaries.

A description of an embodiment with several components or features doesnot imply that all or even any of such components and/or features arerequired. On the contrary, a variety of optional components aredescribed to illustrate the wide variety of possible embodiments of thepresent invention(s). Unless otherwise specified explicitly, nocomponent and/or feature is essential or required.

Further, although process steps, algorithms or the like may be describedin a sequential order, such processes may be configured to work indifferent orders. In other words, any sequence or order of steps thatmay be explicitly described does not necessarily indicate a requirementthat the steps be performed in that order. The steps of processesdescribed herein may be performed in any order practical. Further, somesteps may be performed simultaneously despite being described or impliedas occurring non-simultaneously (e.g., because one step is describedafter the other step). Moreover, the illustration of a process by itsdepiction in a drawing does not imply that the illustrated process isexclusive of other variations and modifications thereto, does not implythat the illustrated process or any of its steps are necessary to theinvention, and does not imply that the illustrated process is preferred.

Although a process may be described as including a plurality of steps,that does not indicate that all or even any of the steps are essentialor required. Various other embodiments within the scope of the describedinvention(s) include other processes that omit some or all of thedescribed steps. Unless otherwise specified explicitly, no step isessential or required.

Although a product may be described as including a plurality ofcomponents, aspects, qualities, characteristics and/or features, thatdoes not indicate that all of the plurality are essential or required.Various other embodiments within the scope of the described invention(s)include other products that omit some or all of the described plurality.

An enumerated list of items (which may or may not be numbered) does notimply that any or all of the items are mutually exclusive, unlessexpressly specified otherwise. Likewise, an enumerated list of items(which may or may not be numbered) does not imply that any or all of theitems are comprehensive of any category, unless expressly specifiedotherwise. For example, the enumerated list “a computer, a laptop, aPDA” does not imply that any or all of the three items of that list aremutually exclusive and does not imply that any or all of the three itemsof that list are comprehensive of any category.

Headings of sections provided in this disclosure are for convenienceonly, and are not to be taken as limiting the disclosure in any way.

“Determining” something can be performed in a variety of manners andtherefore the term “determining” (and like terms) includes calculating,computing, deriving, looking up (e.g., in a table, database or datastructure), ascertaining, recognizing, and the like.

A “display” as that term is used herein is an area that conveysinformation to a viewer. The information may be dynamic, in which case,an LCD, LED, CRT, Digital Light Processing (DLP), rear projection, frontprojection, or the like may be used to form the display. The aspectratio of the display may be 4:3, 16:9, or the like. Furthermore, theresolution of the display may be any appropriate resolution such as480i, 480p, 720p, 1080i, 1080p or the like. The format of informationsent to the display may be any appropriate format such as StandardDefinition Television (SDTV), Enhanced Definition TV (EDTV), HighDefinition TV (HDTV), or the like. The information may likewise bestatic, in which case, painted glass may be used to form the display.Note that static information may be presented on a display capable ofdisplaying dynamic information if desired. Some displays may beinteractive and may include touch screen features or associated keypadsas is well understood.

The present disclosure may refer to a “control system”. A controlsystem, as that term is used herein, may be a computer processor coupledwith an operating system, device drivers, and appropriate programs(collectively “software”) with instructions to provide the functionalitydescribed for the control system. The software is stored in anassociated memory device (sometimes referred to as a computer readablemedium). While it is contemplated that an appropriately programmedgeneral purpose computer or computing device may be used, it is alsocontemplated that hard-wired circuitry or custom hardware (e.g., anapplication specific integrated circuit (ASIC)) may be used in place of,or in combination with, software instructions for implementation of theprocesses of various embodiments. Thus, embodiments are not limited toany specific combination of hardware and software.

A “processor” means any one or more microprocessors, Central ProcessingUnit (CPU) devices, computing devices, microcontrollers, digital signalprocessors, or like devices. Exemplary processors are the INTEL PENTIUMor AMD ATHLON processors.

The term “computer-readable medium” refers to any statutory medium thatparticipates in providing data (e.g., instructions) that may be read bya computer, a processor or a like device. Such a medium may take manyforms, including but not limited to non-volatile media, volatile media,and specific statutory types of transmission media. Non-volatile mediainclude, for example, optical or magnetic disks and other persistentmemory. Volatile media include DRAM, which typically constitutes themain memory. Statutory types of transmission media include coaxialcables, copper wire and fiber optics, including the wires that comprisea system bus coupled to the processor. Common forms of computer-readablemedia include, for example, a floppy disk, a flexible disk, hard disk,magnetic tape, any other magnetic medium, a CD-ROM, Digital Video Disc(DVD), any other optical medium, punch cards, paper tape, any otherphysical medium with patterns of holes, a RAM, a PROM, an EPROM, aFLASH-EEPROM, a USB memory stick, a dongle, any other memory chip orcartridge, a carrier wave, or any other medium from which a computer canread. The terms “computer-readable memory” and/or “tangible media”specifically exclude signals, waves, and wave forms or other intangibleor non-transitory media that may nevertheless be readable by a computer.

Various forms of computer readable media may be involved in carryingsequences of instructions to a processor. For example, sequences ofinstruction (i) may be delivered from RAM to a processor, (ii) may becarried over a wireless transmission medium, and/or (iii) may beformatted according to numerous formats, standards or protocols. For amore exhaustive list of protocols, the term “network” is defined belowand includes many exemplary protocols that are also applicable here.

It will be readily apparent that the various methods and algorithmsdescribed herein may be implemented by a control system and/or theinstructions of the software may be designed to carry out the processesof the present invention.

Where databases are described, it will be understood by one of ordinaryskill in the art that (i) alternative database structures to thosedescribed may be readily employed, and (ii) other memory structuresbesides databases may be readily employed. Any illustrations ordescriptions of any sample databases presented herein are illustrativearrangements for stored representations of information. Any number ofother arrangements may be employed besides those suggested by, e.g.,tables illustrated in drawings or elsewhere. Similarly, any illustratedentries of the databases represent exemplary information only; one ofordinary skill in the art will understand that the number and content ofthe entries can be different from those described herein. Further,despite any depiction of the databases as tables, other formats(including relational databases, object-based models, hierarchicalelectronic file structures, and/or distributed databases) could be usedto store and manipulate the data types described herein. Likewise,object methods or behaviors of a database can be used to implementvarious processes, such as those described herein. In addition, thedatabases may, in a known manner, be stored locally or remotely from adevice that accesses data in such a database. Furthermore, while unifieddatabases may be contemplated, it is also possible that the databasesmay be distributed and/or duplicated amongst a variety of devices.

As used herein a “network” is an environment wherein one or morecomputing devices may communicate with one another. Such devices maycommunicate directly or indirectly, via a wired or wireless medium suchas the Internet, LAN, WAN or Ethernet (or IEEE 802.3), Token Ring, orvia any appropriate communications means or combination ofcommunications means. Exemplary protocols include but are not limitedto: Bluetooth™, Time Division Multiple Access (TDMA), Code DivisionMultiple Access (CDMA), Global System for Mobile communications (GSM),Enhanced Data rates for GSM Evolution (EDGE), General Packet RadioService (GPRS), Wideband CDMA (WCDMA), Advanced Mobile Phone System(AMPS), Digital AMPS (D-AMPS), IEEE 802.11 (WI-FI), IEEE 802.3, SAP, thebest of breed (BOB), system to system (S2S), or the like. Note that ifvideo signals or large files are being sent over the network, abroadband network may be used to alleviate delays associated with thetransfer of such large files, however, such is not strictly required.Each of the devices is adapted to communicate on such a communicationmeans. Any number and type of machines may be in communication via thenetwork. Where the network is the Internet, communications over theInternet may be through a website maintained by a computer on a remoteserver or over an online data network including commercial onlineservice providers, bulletin board systems, and the like. In yet otherembodiments, the devices may communicate with one another over RF, cableTV, satellite links, and the like. Where appropriate encryption or othersecurity measures such as logins and passwords may be provided toprotect proprietary or confidential information.

Communication among computers and devices may be encrypted to insureprivacy and prevent fraud in any of a variety of ways well known in theart. Appropriate cryptographic protocols for bolstering system securityare described in Schneier, APPLIED CRYPTOGRAPHY, PROTOCOLS, ALGORITHMS,AND SOURCE CODE IN C, John Wiley & Sons, Inc. 2d ed., 1996, which isincorporated by reference in its entirety.

The term “whereby” is used herein only to precede a clause or other setof words that express only the intended result, objective or consequenceof something that is previously and explicitly recited. Thus, when theterm “whereby” is used in a claim, the clause or other words that theterm “whereby” modifies do not establish specific further limitations ofthe claim or otherwise restricts the meaning or scope of the claim.

It will be readily apparent that the various methods and algorithmsdescribed herein may be implemented by, e.g., appropriately programmedgeneral purpose computers and computing devices. Typically a processor(e.g., one or more microprocessors) will receive instructions from amemory or like device, and execute those instructions, therebyperforming one or more processes defined by those instructions. Further,programs that implement such methods and algorithms may be stored andtransmitted using a variety of media (e.g., computer readable media) ina number of manners. In some embodiments, hard-wired circuitry or customhardware may be used in place of, or in combination with, softwareinstructions for implementation of the processes of various embodiments.Thus, embodiments are not limited to any specific combination ofhardware and software. Accordingly, a description of a process likewisedescribes at least one apparatus for performing the process, andlikewise describes at least one computer-readable medium and/or memoryfor performing the process. The apparatus that performs the process caninclude components and devices (e.g., a processor, input and outputdevices) appropriate to perform the process. A computer-readable mediumcan store program elements appropriate to perform the method.

The present disclosure provides, to one of ordinary skill in the art, anenabling description of several embodiments and/or inventions. Some ofthese embodiments and/or inventions may not be claimed in the presentapplication, but may nevertheless be claimed in one or more continuingapplications that claim the benefit of priority of the presentapplication. Applicants intend to file additional applications to pursuepatents for subject matter that has been disclosed and enabled but notclaimed in the present application.

What is claimed is:
 1. An apparatus for processing a workerscompensation insurance claim comprising: a processing device; and amemory device in communication with the processing device, the memorydevice storing instructions that when executed by the processing deviceresult in: receiving a medical report from a treating physician, themedical report indicating an evaluation of an injury of an injuredworker; determining whether a report of a claim for the injury haspreviously been received from a medical liaison; and authorizing, priorto a report of the claim by either an employer of the injured worker orthe injured worker when a report of the claim has previously beenreceived from the medical liaison, a progression of an investigation ofthe claim by a claim professional based on the medical report.
 2. Anapparatus for processing a workers compensation insurance claimcomprising: a processing device; and a memory device in communicationwith the processing device, the memory device storing instructions thatwhen executed by the processing device result in: receiving, from afirst entity distinct from an employer and an injured worker, an initialreport of a workers compensation claim for an injury of the injuredworker; receiving, from the first entity, a description of an in-personevaluation of the injured worker; receiving, from a physician distinctfrom the first entity, a medical report of the injury; and authorizing afinalization of an investigation by a claim professional of the workerscompensation claim based on the initial report and the descriptionreceived from the first entity and the receiving of the medical report.3. An apparatus for expediting a reporting of workers compensationclaims comprising: a processing device; and a memory device incommunication with the processing device, the memory device storinginstructions that when executed by the processing device result in:receiving, in a claim reporting system residing on a computing deviceand operable to facilitate the reporting of workers compensationinsurance claims for an injured worker, information related to a reportof a workers compensation claim, the information being provided by aninsurance medical liaison, the information being indicative of anevaluation, by the medical liaison, of at least one of the work-relatedinjury and the injured worker; establishing a record in the claimreporting system for the workers compensation claim based at least inpart on the information received from the insurance medical liaison; andwherein the record is established faster than without the medicalliaison being present.
 4. An apparatus for facilitating management of aproperty/casualty insurance claim comprising: a processing device; and amemory device in communication with the processing device, the memorydevice storing instructions that when executed by the processing deviceresult in: receiving, in a claim reporting system residing on acomputing device and operable to facilitate the reporting ofproperty/casualty insurance claims for an injured person, informationrelated to a report of an injury claim, the information being providedby an insurance medical liaison located at a location at which theinjured person has been evaluated, the information being indicative ofan evaluation, by the insurance medical liaison, of at least one of theinjury and the injured person; and establishing a record in the claimreporting system for the injury claim based at least in part on theinformation received from the insurance medical liaison.
 5. Theapparatus of claim 4, wherein the injured person is one of a first partyclaimant and a third party claimant.
 6. The apparatus of claim 4,wherein the injured person is an injured worker and the injury claim isa workers compensation claim.
 7. The apparatus of claim 4, wherein theinformation indicative of the evaluation comprises at least oneobservation, made by the insurance medical liaison, about at least oneof a part of the injured worker's body claimed to be injured, ademeanor, a mental state, and an anxiety level of the injured workerwhile at the location.
 8. The apparatus of claim 4, wherein theinformation indicative of the evaluation comprises at least one answerprovided by the injured worker during an interview of the injured workerconducted by the insurance medical liaison at the location.
 9. Theapparatus of claim 4, wherein the information indicative of theevaluation comprises an indication of at least one recommendationprovided to the injured worker by a treating medical professional priorto the injured worker leaving the location.
 10. The apparatus of claim9, wherein the at least one recommendation comprises a recommendationfor at least one of a treatment regiment, a physician referral, amedication, a therapist referral, a therapy, a prescription, workrestrictions, and work release.
 11. The apparatus of claim 4, whereinthe instructions when executed by the processing device further resultin: receiving from the insurance medical liaison a description of aconversation initiated by the insurance medical liaison with an employerof the injured worker while the injured worker is at the location. 12.The apparatus of claim 4, wherein the instructions when executed by theprocessing device further result in: determining whether a claim for thework-related injury has previously been reported by at least one of anemployer of the injured worker and the injured worker.
 13. The apparatusof claim 4, wherein the location is at least one of a medical facility,a work site, a retail facility, and a vehicle.
 14. The apparatus ofclaim 4, wherein the insurance medical liaison comprises at least one ofa live nurse and a claim representative.
 15. The apparatus of claim 4,wherein the insurance medical liaison comprises a virtual representationof a person.
 16. The apparatus of claim 4, wherein the insurance medicalliaison comprises software stored on a device located at the location.17. The apparatus of claim 16, wherein the software is operable toreceive information from at least one sensor located at the location,the sensor operable to determine at least one portion of theinformation.
 18. A non-transitory computer-readable medium storinginstructions that when executed by a processing device result in:receiving, in a claim reporting system residing on a computing deviceand operable to facilitate the reporting of property/casualty insuranceclaims for an injured person, information related to a report of aninjury claim, the information being provided by an insurance medicalliaison located at a location at which the injured person has beenevaluated, the information being indicative of an evaluation, by theinsurance medical liaison, of at least one of the injury and the injuredperson; and establishing a record in the claim reporting system for theinjury claim based at least in part on the information received from theinsurance medical liaison.